What must creditors provide in addition to the credit score when it's used in credit decisions?

The requirement for creditors to provide information about the credit score provider is rooted in promoting transparency and consumer understanding in the credit process. When a creditor uses a credit score to make a credit decision, such as determining whether to approve a loan application, it is essential for the consumer to know where the score came from. This information helps consumers understand the credibility of the credit score being used, as different providers may have different methodologies, algorithms, or data sources.

By disclosing the identity of the credit score provider, consumers can seek additional information about how their score was calculated and, if necessary, can take steps to improve it or address any discrepancies. This part of the regulation fosters an environment of informed decision-making, allowing borrowers to be more active participants in their financial health.

The other answer choices do not align with the specific requirement of Regulation Z concerning credit scores. For instance, a summary of the consumer's credit history or reasons for denial may be relevant in other contexts, but they are not specifically mandated alongside the disclosure of a credit score used in credit decisions. Overall, providing the source of the credit score supports the broader goals of the Truth in Lending Act, which aims to protect consumers and promote fair lending practices.