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My main gripe about FICO is that they are not transparent about the methodology and the ways in which you could appeal a decision are murky at best and are diff

My main gripe about FICO is that they are not transparent about the methodology and the ways in which you could appeal a decision are murky at best and are difficult and take months to fix in many cases. I prefer full transparency as to what the rules are and the algorithms used for the purposes of credit so we as a society can decide rather than private businesses deciding for us what our social credit and other forms of credit is. Why shouldn't I be allowed to improve my credit and why shouldn't that process be completely transparent?

MR4D 7y ago
Although I hate Experian on several levels, does this page not address your calculation issues? https://www.experian.com/blogs/ask-experian/infographic-what-are-the-different-scoring-ranges/ https://www.experian.com/blogs/ask-experian/infographic-what... If you want actual points, here’s a great graphic that shows the point values of many different attributes: https://www.doughroller.net/credit/a-rare-glimpse-inside-the-fico-credit-score-formula/ https://www.doughroller.net/credit/a-rare-glimpse-inside-the...