[astura]

FICO already tells you what goes into their scoring algorithm. It's not a mystery.

https://www.myfico.com/credit-education/whats-in-your-credit...

[isthatafact]

I was curious, so I checked that page and did not find the equation used to calculate the "score", only vague hints.

Is there a formula, spreadsheet, or code that people could use to verify their score? Or is it indeed a mystery?

[standardUser]

These agencies had far less regulation and transparency before Dodd–Frank in 2010.

[astura]

So?