report may affect the terms and conditions of credit that are available. The credit scores you receive directly from different lenders and creditors may not be the same as an educational credit score. There are a number of reasons for this: (1) Each company may use a different formula for calculating credit scores and the differences in the formulas may lead to differences in your scores. (2) Companies may produce scores that give results on different scales. (3) Not all lenders or creditors report to every consumer reporting agency, and therefore the information contained in your consumer report that the consumer reporting agencies use to calculate your educational credit score may differ among agencies. . (B) Prohibition on misleading representations A consumer reporting agency may not refer to an educational credit score as a credit score in any application, solicitation, marketing, or other informational materials or media. (7) Modification of disclaimers The Bureau may modify the content, format, and manner of the disclaimers required under paragraphs (5) and (6), if warranted, after conducting consumer testing or research. . 604. Provides consumers with free credit score disclosures with their free annual consumer reports upon request and creates instances when consumers automatically receive free consumer reports and credit scores (a) In general Section 612 of the Fair Credit Reporting Act ( 15 U.S.C. 1681j ) is amended— (1) in subsection (a)— (A) in paragraph (1)— (i) in subparagraph (A), by inserting after section 609 the following: (including the disclosure of a credit score or educational credit score under subsection (f) of such section)