First of all, who said that FICO is about your financial strength? That's nowhere in FICO's marketing materials or white papers.
Second, I consulted in your field for 20+ years, I know it well. Many of my millionaire business owner clients have used BK more than once to extract maximum wealth long term. BK is an amazing resource for those smart or lawyered up. You can make billions going bankrupt annually if you do it right, I've heard. So just because you manage a huge company has NO connection to your risk to lenders. In fact, the more huge money a person may control as a third party, the higher risk they might be in certain lending markets! I know a guy who bankrupted multiple huge businesses over his career and he's a powerful figure in politics today, lol.
Third, you have no requirement or responsibility to have any of your information shared with any reporting agency, ever. When you sign up for products from lenders, banks, insurers, etc, the terms and conditions tells you that applying with them or opening an account with them gives them the right to share their experience with you with the bureaus and therefore other competitor companies. If you don't want a credit score, don't use products that share that information.
FICO is a product for banks, not for consumers. It has nothing to do with consumers other than consumers agree to share their performance with the bureaus. This is optional, of course.
FICO is used by banks strictly to aggregate risk profiles based on billions of data points analyzed and distributed amongst the scorecard patents by FICO.
If you control a lot of money, you don't need credit. Two of my best friends have no credit at all -- no reports, no profiles, no history, no scores. One of them controls 10s of millions in real estate but it's all in trust/incorporated and not tied to him at all. He doesn't have a personal debit card even. He banks with prepaid cards from direct deposit dividends from the trusts that own and control his empire. He takes private car services and hasn't owned a car in his entire life -- not sure if he knows how to drive. He doesn't fly by air at all, won't step foot in an airport. But he'll pay $1600 for a driver to take him from New York to Atlanta and back by car. He decided to opt-out of the things that p*ss you off. You can, too.
Rants like this to me feel childish, and I hope I'm not violating TOS here by saying that because it is my opinion.
I didn't know rewards cards existed until February of 2017. I am not wealthy but I might be considered rich because I retired at 41 and my last 3 years of work were consulting for 4 hours on Tuesdays and 4 hours on Thursdays for 20-24 weeks a year for 6 figure income. But my FICO scores in February were 500-550, lol. Once I discovered there are cards that pay 10% cash back on my organic spend, I went to fix my FICO mess and I'm in the 700s today (10 months later) and will be 800s in 2019 (22 months later).
Whatever you're doing, you're doing it wrong, because you're making assumptions that are wrong by any measure or vector.
"No one can at Experian or FICO can explain to me anything" -- of course, you're NOT their customer. Do you expect Google to explain to you why you see ads for nursing shirts for new mothers? They won't tell you either, because you're NOT their customer either. You're a volunteer providing data, you're not buying from them, you're giving them free information and not using the outcomes to your best interests.
You can have 850 credit scores if you want, but you don't want them. Instead, you want to play the game based on the rules someone else wrote for you instead of writing your own rules.
FICO is not your financial record. It has nothing to do with your ability to pay for things. It only has to do with the calculated risk of you defaulting based on the data you voluntarily let others share with the bureaus.
Either stop sharing that data, today, or starting playing by YOUR rules.
