All of the following are accurate statements about credit reports EXCEPT:
A. Consumers are not allowed to see their credit reports.
B. They protect both consumers and lenders.
C. Consumers should check their own reports periodically to see if they are correct.
D. Federal law requires reporting agencies to provide reports to borrowers free of charge once a year.

A. Consumers are not allowed to see their credit reports.

Explanation:

A credit report communicates how reliable an individual or an entity in repaying their debts. It assesses individual creditworthiness by assigning a credit score to each potential borrower. A high credit score shows the individual is reliable in settling their obligations.

Individuals are often encouraged to counter check their credit report to confirm accuracy. Credit bureaus do share credit reports with customers on-demand or at regular intervals. An inaccurate credit report may be a hindrance to obtaining credit facilities such as a loan or a mortgage.

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