Under the key factors that adversely added your credit score we put "See Credit Report Provided".
What - you send them a copy of the report????
You have to provide along with the score:
(B) the range of possible credit scores under the model used;
(C) all of the key factors that adversely affected the credit score of the consumer in the model used, the total number of which shall not exceed 4, subject to paragraph (9);
(D) the date on which the credit score was created; and
(E) the name of the person or entity that provided the credit score or credit file upon which the credit score was created.
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