If you are supplying your customer with the Credit Score Disclosure that prints out with the credit report how are showing evidence that it was given to the customer?

It should be documented through procedures. Some credit bureaus mail it direct for an additional fee.

How do you recommend documenting the file if the credit company is sending it? We sell our loans to investors, and I assume they will want to see proof on every file.

A copy is generally given to the bank, and you have your contract with the credit bureau.

The bureau is supplying us with the notice and it's being given to the customer. You can tell this is happening because when the report prints it prints with the number of pages (page 6 of 9). So, the file is left with the report ending on page 6 and pages 7-9 are given to the customer. An external auditor is saying that we don't have evidence of the credit score disclosure in the file.

Are other banks have the customer sign another piece of paper acknowledging they received the disclosure?

Perhaps some other users can advise. I have never seen a bank get written acknowledgement. What a waste of paper.

We do not have the customer sign any type of acknowledgment for this disclosure.

We just keep a copy of the disclosure in file with the credit report and indicate in our procedures when the notice is to be given. Haven't had any issues with anyone on this so far.

We maintain a copy in the file.