It's also super Kafkaesque, because there is no way for you to know why your score is exactly what it is. There is no published rule book or methodology.
Yep. It’s all a secret. You are measured by an invisible system that you can’t opt-out of, can’t question… oh and just in case you thought you could learn from experience, here comes a newer “version” of the score that determines whether you’re allowed to build equity or whether you’re relegated to paying someone else’s mortgage.