Fair Credit Reporting: 3.3.10.3 Nature of Scores Sold
The CRA can disclose to the consumer either the current score or the most recent score that the CRA had calculated for a creditor.287 The score must either (a) be generated using a scoring model that is widely distributed to users by the CRA or (b) assist the consumer in understanding the assessment by the credit scoring model of their credit behavior and predications about that behavior.288 Note that the latter option means that the credit score provided by the CRA may not necessarily be the sa