Which statement best reflects an agency's obligation to disclose a consumer's credit score on request?

• A. Must disclose in all cases
• B. May disclose only if there's a dispute
• C. Are not required to supply the score on request
• D. Must disclose, but only to lenders

Answer: (C)

Under the Fair Credit Reporting Act, consumers have the right to obtain a copy of their credit report from a consumer reporting agency. That report includes information about accounts, payment history, and public records. The credit score, however, is not part of the standard report and there is no federal requirement for an agency to disclose the score merely because a consumer asks for it. The score is typically offered as a separate product or provided by lenders, but providing it on request isn’t mandatory. So, the best answer is that the agency is not required to supply the score on request.