... among credit scores, and the frequency of explanations provided to consumers This phase of the study reviewed credit scores and the explanations for those scores provided by the repositories for ... consumers in general or to a certain segment of consumers, such as those nearest the threshold between prime and subprime 36 VII Conclusions and Implications of the Findings for Consumers A Credit ... tens of millions of consumers are at risk of being penalized by inaccurate credit report information and incorrect credit scores Between 190 and 200 million Americans, or nearly every adult consumer, ...