The way the score is calculated is hidden from the public
I mean…technically, I guess, the specific parameters are hidden? But the meaningful actions - the ways in which you can improve your score - are extremely clearly advertized.
Don’t get me wrong, I’m not exactly a passionate advocate for the system - but it’s nowhere near as obfuscated as people claim. And if you accept the premise that there needs to be some algorithmic way to evaluate someone’s creditworthiness, “their past reliability in repaying debts” is a pretty reasonable choice.
Wel, I guess I’m rewatching that tonight…
(For the uninitiated: Thomas Middleditch and Ben Schwartz, aka “the guy from Silicon Valley and Jean-Ralphio from Parks & Rec”, did an improv series on Netflix - and it’s great)