Credit scoring models used by the Big 3 {TRW, Experian, & EqiFax} and the formulas used to generate credit scores are a secret!

Is there a known Database or Blog where attempts are being made to reverse engineer their cryptic formulas buy keeping records of known effects based on known changes. ie. change x and my score changed by y, etc.

If not lets create one to track the effects of known changes made by individules so we have an independent way to make sure credit reporting agencies stay fair! And so we can learn the factors they weigh in against us and learn to minuplate it our way instead of it being THEIR little secret.

It does not serve them for you to look better, the more risky they make you look the more they get paid by their subscribers! Bad Form bad karma, but fat cats make out because of it all day long, so screw them in any way you can, they will you for sure no question!

We must DERIVE by any means their formulas and use them to serve us!!!!
The exact method used to calculate is unknown and well guarded. We need to know exactly and precisely from the stand point of the scoring agency, just exactly how they derived the change. This is the secret, this is what they have over us. In reality there is no proof at all that the means they use is a scientifically valid predictor of anything! Its mere superstition used to control, a subjective Pandora’s box! We must at all costs discover their exact formula used then we will have the leg up!