Ooops, forgot your second question on multiple reports/scores. The supplementary info at 75 FR 2743 says that if you pull multiple credit scores, you should disclose the score you actually use (e.g., the middle score, the most recent score, whatever your procedure is). If you use an average of all three scores (i.e., the number you use doesn't match any of the customer's actual scores), you would disclose one of the actual scores you obtained. Your choice. At the lender's option, you can include more than one score, but I can't think of a reason why anyone would choose to do that.
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The opinions expressed are mine and not those of my employer