; and (ii) by amending subparagraph (A) to read as follows: (A) any credit score or risk score in the file of the consumer at the consumer reporting agency; ; (B) in paragraph (2)— (i) by redesignating subparagraph (B) as subparagraph (C); and (ii) by striking subparagraph (A) and inserting the following: (A) Credit score The term credit score means a numerical value or a categorization derived from a statistical tool or modeling system used by a person who makes or arranges a loan to predict the likelihood of certain credit behaviors, including default. (B) Risk score The term risk score means a numerical value or a categorization derived from a statistical tool or modeling system based upon information from a consumer report for the purpose of predicting the likelihood of certain behaviors or outcomes, and includes scores used for the underwriting of insurance. ; (C) by striking paragraph (6) and inserting the following: (6) Maintenance of credit scores All consumer reporting agencies shall maintain in the consumer’s file credit scores or any other risk scores or other predictors relating to the consumer for a period of not less than 1 year beginning on the date on which such information is generated. ; (D) by striking paragraph (7) and redesignating paragraphs (8) and (9) as paragraphs (7) and (8), respectively; and (E) in paragraph (7) (as so redesignated), by inserting before the period at the end the following: , except that a consumer reporting agency described in section 603(p) shall provide a credit score without charge to the consumer if the consumer is requesting the score in connection with a free annual disclosure made pursuant to section 612(a) . (b) Inclusion in free reports Section 612(g) of the Fair Credit Reporting Act ( 15 U.S.C. 1681j(g) ) is amended— (1) in paragraph (1)— (A) by striking free credit report and inserting free or low cost credit report or credit score ; and (B) by inserting and free credit scores after free credit reports