What does the FCRA regulate regarding credit scores?

The Fair Credit Reporting Act (FCRA) mandates transparency in the calculation of credit scores, making this the correct choice. Specifically, the FCRA requires that consumers have access to the information used to generate their credit scores, ensuring they can understand how their creditworthiness is evaluated. This transparency is crucial because it allows consumers to dispute inaccuracies and provides insight into what factors influence their credit scores.

Moreover, the FCRA regulates how credit reporting agencies operate, requiring them to provide consumers with a free annual credit report upon request. By promoting transparency and access to credit scoring information, the FCRA facilitates informed financial decisions and helps protect consumers from unfair treatment in lending practices.