Well, there are two FCRA sections on the AA Notice. You still have to provide the CRA information where they can obtain a copy of their report, but the credit score information section (score, factors, date, range, ect) isn't required since the score wasn't used in making a credit decision. That said, I've seen quite a few financial institutions that tell the applicant that the score is not available - which helps avoid the confusion you reference - though you aren't required to do so.
From the Reg B final rule (July 15, 2011):
"Disclosure that no credit score is available. In some cases, a creditor may try to obtain a credit score for an applicant, but the applicant may have insufficient credit history for the consumer reporting agency to generate a credit score. One commenter asked that the creditor have the option to provide the applicant notice that no credit score was available from a consumer reporting agency in the space available for the credit information disclosure.
Section 1100F only applies when a creditor uses a credit score in taking adverse action. The creditor cannot disclose credit score information if an applicant has no credit score. Nothing in section 1100F of the Dodd-Frank Act prevents a creditor, however, from providing the applicant notice that no credit score was available from a consumer reporting agency, although section 1100F does not require such notice."
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Adam Witmer, CRCM
All statements are my opinion, not those of my employer, and should not be taken as legal advice.
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