@Anonymous wrote:Me neither. It would have to run all the complex FICO algorithms, I suppose, to do that. And I'm sure it's a much much simpler version. Mini-FICO.
And then some computer genius could reverse engineer everything. 
From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work
@Anonymous wrote:Me neither. It would have to run all the complex FICO algorithms, I suppose, to do that. And I'm sure it's a much much simpler version. Mini-FICO.
I don't know anything from personal experience about baddies, but to the best of my recollection and understanding someone recently noted in one of the forums that a 7-year baddie could fall off half a year early if the creditor decides to do so for various reasons. Or it could be completely different. As such, the FICO estimator couldn't possibly take such baddies accurately into consideration, especially in cases when the time frame of the estimator is narrower than that of 7-year baddie fall-off experiences.
@MarineVietVet wrote:And then some computer genius could reverse engineer everything.
They'll never be completely accurate, as you say. And that's important when you need 760 for a mortgage and your official score is 759.
One Sunday morning a few weeks ago when I happened to wake up at 4 a'clock, and the Internet and TV connection was down, I put into code what had been simmering in my head for some time. My own FICO meat grinder so to speak. I can't say I'm all that particular about the murkier reverse engineering details, mostly I did was what made sense to me. Based on 20 various scenarios, it is on average within 10 points of the real deal. Still, it hasn't stopped me from purchasing the official scores I would have purchased without it. And I doubt it ever will. But it can give me approximate scores for different situations back in time and in the future, and that's what drove me.