Credit scores aren't a black box. The components are in the credit report and are pretty straightforward. Also, it's not actually true that everyone uses credi

Credit scores aren't a black box. The components are in the credit report and are pretty straightforward. Also, it's not actually true that everyone uses credit scores. More recently companies use custom risk models because they see this as a competitive advantage. (Especially the afterpay companies like Klarna don't use them.)