In order to prevent either the bureaus or any other agencies assuming the role of the credit score estimator the Federal as well as the State Governments in United States have put in place regulations to control their affects. The Equal Credit Opportunity Act is an example in the offing that expressly prohibits any discrimination in credit ratings on the basis of race, religion, nationality, sex, or the marital status of the consumer concerned.

Law also ensures that all the credit scoring models that are put I place should be empirical and quite sound statistically. When the assessment and credit check results in negative outcome, it is mandatory on the part of the assessor to inform the borrower the reasons for such negative outcome. Such information has to be specific pin pointing the exact deficiencies noticed with the borrower or his application that resulted in such negative outcome.

This effectively means that even if you are providing free credit score, simply coming up with the statement that you could not score enough is not sufficient. The assessor has to disclose the specific reasons for which the negative results have been achieved. An example of specific reasoning could be indicating that the prospective borrower had too many delinquencies of 30 days or over.

In a democratic set up legislation is meant to uphold the spirit of equality and providing equal opportunities to all without making any discretion is its true essence.