FCRA and Disclosure of Credit Score
The Bank does not use a credit score when making credit decisions, although it relies on information contained in the credit report. On the Adverse Action Notice, it indicates that the credit decision was based in whole or in part on information contained in the report. Since the score is not used, the box referring to such is not checked off and the information is not completed. Can the Bank still provide the credit score information to each applicant separately, since credit was pulled?