02-04-2009 02:21 PM
The scores themselves are generated at the credit bureaus; myFICO is simply the go-between, the conduit between the consumers and the CB's through which consumers can buy their scores.
If EX doesn't want to let consumers have their scores anymore, there's nothing myFICO can do to force them to hand them over.
Yes, but myFICO is a division of Fair Isaac, and fair Isaac is providing the formula to EX in the first place (for a fee I'm sure). The scores are generated by the credit bureaus, using formulas licensed by Fair Isaac, correct?
In one sense, that would mean Fair Isaac would potentially have some say in how their formula is used (although I'm sure it's not at all