Couple of questions come to find: a. How is this data accessed? Can anyone in my network access this? Because even if we draw a parallel to credit scores, not

Couple of questions come to find: a. How is this data accessed? Can anyone in my network access this? Because even if we draw a parallel to credit scores, not everyone can access my credit scores. b. What kind of behavior is this encouraging? Most credit scores track bigger picture items - credit card payment, loan payments etc. But, suppose I can see my credit score go up and down then I might end up trying to avoid a specific behavior. c. How does the scoring work? If I buy say from a company known to sell VPN services, do I lose points?