When credit scoring caught the public's eye, credit score providers not only refused to tell borrowers how they rated in the system, they also refused to tell precisely how the system itself operates. Today, that refusal still stands. Until Congress or state legislators force the issue, credit scoring remains a black box operation.
Credit scorers enter your credit data into their programs and out pops a number, but they won't reveal how or why they calculated that figure. You're left in the dark. (Credit scorers defend their secrecy for two reasons: (1) They don't want you to game the system; and (2) they don't want to tip off their competitors as to the techniques they are using.)
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