Can I get clarification, if a credit report is obtained and a denial is based in part from information in the credit report, is there ever a time we would NOT include the second paragraph about the credit score with the required score, range, factors, etc? We're reviewing our procedures and Laser Pro allows including the "credit decision based on a report..." language, but then you need to also check the box to include the credit score language.
I thought if you obtained a credit report and the denial was based on the report, you must include the credit score language?