; and (2) in section 615— (A) by striking as defined in section 609(f)(2)(A) each place that term appears; and (B) by striking set forth in subparagraphs (B) through (E) of section 609(f)(1) and inserting with respect to a credit score described in section 609(f)(2), if available each place that term appears. 602. Expands explanatory information given to consumers about how scores are calculated Section 609(f) of the Fair Credit Reporting Act ( 15 U.S.C. 1681g(f) ) is amended to read as follows: (f) Disclosure of credit score and educational credit score by consumer reporting agencies (1) In general Upon the request of a consumer for a credit score or educational credit score, a consumer reporting agency shall supply to the consumer a statement— (A) containing— (i) a current credit score at the time of the request generated using a commonly used credit scoring model to generate credit scores, subject to regulations of the Bureau; (ii) an educational credit score at the time of the request, if it is not practicable to generate such a credit score, as determined by the Bureau; or (iii) an explanation that the consumer’s file does not have sufficient information from which to generate such a credit score or educational credit score; and (B) with respect to each previous credit score in the file of the consumer— (i) the date on which the credit score was generated; (ii) the name of any entity that the credit score was provided to; and (iii) the credit score itself. (2) Requirements A statement provided under clause (i) or (ii) of paragraph (1)(A) shall include— (A) a minimum of 4 key factors, if available, that adversely affected the credit score or educational credit score, except that if one of the key factors consists of the number of enquiries made with respect to a consumer report, that factor shall be provided to the consumer in addition to the factors required by this subparagraph