@RobertEG wrote:Here is the quick and dirty. NO ONE who generates credit scoring (including Fair Isaac/FICO) maintains any data for generating your credit score.
It ALL comes from your credit files accumulated by the CRAs,
Even true FICO scores are NOT generated by Fair Isaac. They cant. They simply sell their scoring algorithm, and then scoring using their algorithm is done by the CRAs based on their data.
Agreed...well laid out.