I think this has been hashed over before......probably by me!! But I would like to revisit....

In preparing an adverse action notice, where the sole reason for denial is the debt-to-income ratio, and the debt used to calculate the ratio is taken directly from the credit report, do you check the box (or whatever method) to disclose "Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below?"

Yes, absolutely. Then you go on to provide the principal reasons for denial.

BUT......if there is nothing wrong with the score, meaning no derogatory credit that would cause a denial......I should NOT disclose the score information?....Especially since the sentence preceding the disclosure says "We also obtained your credit score and used it in making our credit decision." That would be extremely confusing to a person whose credit is lily white with a score of 800....since the score was not used in the decision.

See my comment here .