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The Office of Consumer Credit Regulation oversees the consumer finance For more information on credit reports and credit scores, you may want to read. The folly of a government-issued credit score. by Gerard Scimeca, Opinion Contributor - 06/24/21 PM ET The views expressed by contributors are their. High scores are around Do I need to get my credit score? It is very important to know what is in your credit report. But a credit score is.