Which exception allows for disclosure of credit scores without providing the score itself?

The option regarding the credit score disclosure exception with no score available is correct because it addresses a specific scenario outlined in consumer lending regulations where a lender is permitted to provide a disclosure about the credit scoring process without needing to disclose an actual credit score. This typically applies when a credit report was obtained or utilized in the credit decision-making process, but a credit score itself may not have been calculated or is otherwise not available at that time.

In this case, it acknowledges that while credit scoring is a vital component of lending decisions, there are circumstances where due to technical limitations or specific reporting situations, a score cannot or should not be disclosed. Thus, lenders can still provide relevant information regarding the consumer's credit evaluation without detrimental impacts on transparency or compliance with regulations.

Understanding this exception helps reinforce the importance of compliant practices in consumer lending, ensuring that borrowers are adequately informed even in situations where they may not receive the most complete information.