[anc84]

How do you plan to do that? Which bits of information can you gather that allow you reverse engineer significant parts of their process?

[hdkrgr]

Consumer's have a right to get an overview of all their collected data as well as the calculated (category) scores once each year for free. These could essentially serve as input output pairs.

[anc84]

I know what the reports contain. And I do not see how you could gather any meaningful insights from it.

[jpalomaki]

It is very likely that there is relatively simple formula that maps the input data to credit scores.

Given enough inputs and outputs, you can figure out the formula.

[anc84]

I don't see them collecting enough relevant inputs.

[vavoida]

We will see.