reports. Sec. 404. Provides credit restoration for victims of predatory mortgage lending and servicing. Sec. 405. Provides credit relief for private education loans borrowers who were defrauded or mislead by proprietary education institution or career education programs. Sec. 406. Establishes right for victims of financial abuse to have adverse information associated with an abuser’s fraudulent activity removed from their consumer reports. Sec. 407. Prohibits treatment of credit restoration or rehabilitation as adverse information. Title V—Monitoring the development and use of credit scores Sec. 501. Establishes clear Federal oversight of the development of credit scoring models by the Bureau. Sec. 502. Mandates ongoing review and reports to Congress by the Federal Housing Finance Agency on using additional, alternative, and updated credit scoring models as part of the criteria for loans purchased by Fannie Mae and Freddie Mac. Sec. 503. Requires a Bureau study and report to Congress on the impact of using non-traditional data. Title VI—Providing greater consumer access to and understanding of consumer reports and credit scores Sec. 601. Credit score and educational credit score definitions. Sec. 602. Expands explanatory information given to consumers about how scores are calculated. Sec. 603. Requires consumer reporting agencies to disclose prominently the differences between and limitations of credit scores and educational credit scores required prior to a consumer obtaining such scores. Sec. 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. Sec. 605. Requires private educational lenders to provide consumers with free copies of any consumer reports and credit scores that they used for underwriting before consumers sign loan agreements. Sec. 606. Requires motor vehicle lenders or indirect auto lenders to provide consumers with free copies of any