"More recently, credit companies have started to use machine learning and offer "alternative credit" as a way to reduce bias in credit scores. The idea is to use data that isn't normally included in a credit score to try and get a sense for how trustworthy someone might be. All data is potential credit data, these companies argue, which could include everything from your sexual orientation to your political beliefs, and even what high school you went to."
There's also an interesting section - with a link to more - about how credit rating was determined in the 1800's.
Partial update from Experian of 6 EX scores at AoYA 1yr 0mo. Also TU 8 from a myFICO alert. The rest to follow on 12/10.