Which act provides consumers the right to access their credit scores?

The Fair Credit Reporting Act (FCRA) is the legislation that grants consumers the right to access their credit reports and scores. Under this act, consumers have the ability to obtain a copy of their credit report from credit reporting agencies annually for free, and they can also access their credit scores under certain conditions. The FCRA was enacted to promote accuracy and ensure fairness in the information contained in consumers' credit reports, allowing them the opportunity to monitor their credit status and identify any discrepancies that may affect their creditworthiness.

The other acts listed do not specifically focus on giving consumers access to their credit scores. The Consumer Financial Protection Act primarily established the Consumer Financial Protection Bureau (CFPB) to regulate financial products and protect consumers from unfair practices. The Credit Repair Organizations Act regulates the practices of credit repair organizations, ensuring they operate transparently and fairly. The Equal Credit Opportunity Act aims to prohibit discrimination in credit transactions, ensuring equal access to credit regardless of certain characteristics. While all these acts play important roles in consumer finance, it is the FCRA that directly addresses access to credit scores.