Say what you want about FICO scores, they are a lot of things, but they are not "completely untransparant," FICO tells you exactly what makes up the score: htt

Say what you want about FICO scores, they are a lot of things, but they are not "completely untransparant," FICO tells you exactly what makes up the score: https://www.myfico.com/credit-education/whats-in-your-credit-score https://www.myfico.com/credit-education/whats-in-your-credit... >payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and credit mix (10%).