[thegayngler]

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]

Although I hate Experian on several levels, does this page not address your calculation issues?

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...