Final answer:
A consumer must be informed of factors adversely affecting his credit score, but the number of factors reported to him must be limited to the minimum required by any source.
Step-by-step explanation:
The factors adversely affecting a consumer's credit score can vary, but the number of inquiries is not typically considered one of those factors. However, it is important for consumers to be informed of all the relevant factors that can impact their credit score. When providing this information, it is common practice to limit the number of factors reported to the consumer to only the minimum required by any source.
By limiting the factors reported, it helps to avoid overwhelming the consumer with unnecessary information. It is also important for consumers to ask why the information is being collected, how it will be used, and who will have access to it. Additionally, monitoring credit history for any red flags can help identify if the consumer's identity has been compromised.