16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures
All Variables, and Results for any measurement on how Credit is assessed should be public knowledge. Formulas, Methods or Derivatives of Methods, which could be considered a competitive advantage in the credit world could remain so, but the factors (Variables) on a persons credit (score) should be known to that individual. Credit Scores have become an absolute essential to everyone life and there should not be a pay-wall blocking an individual from accessing it. FreeCreditReport.com should be shutdown as it's business model is based on fraud, preying on the uninformed.