[mike_d]

At least in the United States, anyone can create a credit score. There is VantageScore (the one you get for free from CreditKarma or your bank/credit card), at least 20 different versions of FICO, JSS Scorelogix, LexusNexus RiskView, Equifax FICO and RISK, ChexSystems Consumer Score, PRBC, and a million others.

You have a right as a consumer to the underlying data from the credit reporting bureaus, but not the proprietary algorithms that determine risk.

I understand the desire for transparency, but at its core credit scoring is fraud prevention. It is like asking Visa to explain what criteria they use to determine if a charge is fraud, which predominately helps the people trying to do the frauds.