What software does the credit bureau use to calculate credit scores?

Question

What software could I use to collect dynamic data and how could I use this date to calculate a reliable consistent score

Answer 1

That is proprietary information that is on their systems (Experian, Equifax)

The credit report is an accumulation of information about how you pay your bills and repay loans, how much credit you have available, what your monthly debts are, and other types of information that can help a potential lender decide whether you are a good credit risk or a bad credit risk.

The report itself does not say whether you are a good or bad credit risk -- it provides lenders with the data to make the decision themselves. Credit bureaus, also known as credit reporting agencies (CRAs), collect this information from merchants, lenders, landlords, etc., and then sell the report to businesses so they can evaluate your application for credit. Lenders make their decisions based on different criteria, so having all of the information helps them ensure that they are making the right decision.

Answer 2

I think that the algorithm they use is proprietary, meaning they developed the calculations themselves, and they keep them a secret from other people and companies. The reason is that people will look for loopholes to try to artificially boost their credit scores.

Answer 3

they have evil trolls that use an abacus :)