I'm not at all trying to make it sound nefarious. I'm saying that credit scores being a black box is inherently not a good idea. There can never be any account

I'm not at all trying to make it sound nefarious. I'm saying that credit scores being a black box is inherently not a good idea. There can never be any accountability, because there is no visibility. In general, it's impossible to verify the correctness of a credit score. It's also impossible to discuss the fairness of the scoring methodology, because all we can do is speculate and guess. For something so impactful to an individual, you'd think there would be more government oversight / regulation... And more transparency.