... of all requests for a consumer&apos ;s credit report (inquiries) for at least 2 years, and todisclose the names and addresses of recipients of reports upon request from the consumer.Disclosure ... personal information about consumers can be stored andsubsequently transferred, the consumer loses some control over its use subsequent to the transaction. Thus, a key element of U. S. regulatory ... results of the retail-only simulations. As in the previous discussion of the negative-only simulation, suppose we use the estimated models (full and restricted) to estimate credit scores for...