The credit agencies should be required to give individuals a copy of their credit score at the same time. An individual has no idea what their score is unless they pay to see how the agency scores them. Most people pay their debts properly but can have a low score for whatever reason that may not be obvious by the information in the report they receive. Paying ones bills correctly does not result in 'good' credit scores due to the agencies methods of 'scoring' based on percentages of credit lines used, not wether the individuals debts are paid properly.
16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00053
16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures