; (B) to the extent possible, specific actions a consumer could take with respect to each key factor listed in subparagraph (A) to improve the consumer’s credit score or educational credit score; (C) a minimum of 4 key factors, if available, that positively affected the credit score or educational credit score; (D) the range of possible credit scores or educational credit scores under the credit scoring model used; (E) the distribution of credit scores or educational credit scores among consumers who are scored under the same credit scoring model by the consumer reporting agency, and using the same scale as that of the score that is provided to a creditor or consumers— (i) in the form of a bar graph containing a minimum of 6 bars that illustrates the percentage of consumers with credit scores or educational credit scores within the range of scores represented by each bar; or (ii) by another clear and readily understandable graphical depiction, statement, or illustration comparing the consumer’s credit score or educational credit score to the scores of other consumers, as determined by the Bureau; (F) the date on which the credit score or educational credit score was created; and (G) the name of the person that developed the credit scoring model on which the credit score or educational credit score was based. (3) Applicability to certain uses This subsection shall not be construed so as to compel a consumer reporting agency to— (A) develop or disclose a credit score if the agency does not distribute credit scores used by a person who makes or arranges a loan or extends credit to predict the likelihood of certain credit behaviors