How credit scoring is done is, and always has been, a trade secret protected by U.S. intellectual property laws, and business agreements.
They dont have to tell you how scores are generated.
There are dozens and dozens of FICO scoring algorithms marked by Fair Isaac. Each CRA contracts separately with Fair Isaac to produce and license to them algorithms that meet their specific risk analysis.
Other commercial business groups do the same.
Some specific business groups, such as the mortgage or auto loan industry, have separate and acknowldeged FICO scoring agorithms licensed to them that are tailored to their specific risk criteria.
If a medical or insurance algorthm is produced by Fair Isaac, real of mythical, that more closely addressed their potential risk analysis requested by their clients, and their clients then choose to use their contracted algorithms in their business decisions, isnt that just their business?
I dont see any deep, dark secrets to uncover.
