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Our models and logistical work, behind the scenes work that we did to create that three-digit score, that's our own proprietary, digital information, so i think they just didn't want you involved in that way. even though you will be allowed to get a score free of charge if you get turned down, say, for a loan or if you get higher rates on your insurance than you would have gotten if you had a higher credit score, i think that in the future, we will see a time when consumers will get completely free credit scores. there's already some companies out there like credit carma, for example, that are...

Credit. ed, let me start with you. this new wall street reform bill actually helps people access their credit scores more easily. how much does it help consumers and in what other ways? >> well, the bill is, first of all, a landmark reform because it creates a new consumer bureau. it's the biggest since 1943. but getting access to your credit scores is part of it, but the bureau is a new consumer protection machine that will have the authority to regulate every financial product sold by a bank or non-bank, payday lender or whoever. so it's a very big victory for consumers. >> it's a big change...

It, for the first time, may be an agency that looks under the hood that looks into the black box. >> maybe. it's up to the regulator to decide that, isn't it? >> it's up to the regulators. there's a lot of new things in the law. but for the first time we have a regulator protecting jobs for you and me. >> lynette, on your take, why have they been reluctant to date to give us our credit scores? >> they've been reluctant to interfere with commerce. they didn't want to take part in any action that might be seen as diminishing a company's ability to make profits. let's be real, it's only been less...