1. (a) As used in this chapter, "consumer report" means any written, oral, or other communication of any information that:

   1. (1) is made by a consumer reporting agency;
   2. (2) bears on a consumer's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living; and
   3. (3) is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing a consumer's eligibility for credit to be used primarily for personal, family, or household purposes.
2. (b) The term includes a consumer's credit score.

As added by P.L.104-2007, SEC.1.