Fair Credit Reporting: 3.3.10.2 Scope of Obligation
The obligation to provide a credit score is imposed on the CRA.279 Thus, one court has held that a CRA was not liable for “blocking” a consumer’s access to her credit score from that CRA, because the consumer had made the request to Fair Isaac’s website and not directly to the CRA.280 The CRA may not condition the sale of credit scores on the purchase of another product,281 such as any “credit monitoring” services.