I will agree no one is obligated to lend me money - but in the same breath - it is insane to be "judged" based on a scoring system the is top secret.

So I'd LOVE to play by the rules - if FICO would disclose their formulas I might have a snow ball fighting chance.

I'm not sure what rule I missed - I've paid every bill on time for 2 years and my credit score has not improved - and I'm still listed as poor payment history.

The ample data is a generalization and doesn't look at specific individuals.  My fico score almost prevented me from moving into the current place I live.
They turned me down because my credit score wasn't to their liking- after much convincing and making a deposit of 3 times the rent - they finally agree'd to allow me to move in.

Fast forward 6 years - and I'm the ONLY tenant they have that has never been late on rent. They even gave me a reduction in rent and a refund on a 2/3 of my deposit because of it.  Predictors are only as accurate and reliable as the people who are contributing to the outcome of those numbers.

Again - my point is .... No credit is being given for a good payment history despite credit being required to par take in a service.
This would be like you needing good credit to get a credit card - paying it each month - but them NOT reporting anything to ANY credit beurau and then being told - sorry you don't have a good payment history. There's no logic there.  You applied - got approved, made your payments.

I'm not suggesting I'm owed something - But I also don't deserve to be penalized because I can 't play by a set of rules that haven't been given to me.

How does a persons credit score NOT go up or down after making 24+ months of on time payments for every medical bill - every utility - every expense.
The bill that is in dispute is NOT listed on my credit report - so it shouldn't be a factor and the reason it's in dispute is because it was included in the bankruptcy 2 years ago and they are refusing to acknowledge it.

Pay my bills on time - Check. Don't over extend my credit (can't get any so that's a non-issue) Never owned a credit card - had no interest in them.

What are the rules to the game that I'm suppose to be playing?