united-states credit-report
FICO score calculation exact breakdown
<p>Do I have any legal ground to demand an exact breakdown of my FICO score? The precise formula and data points that were used for my report, not some generic explanation.</p>

<h1>No</h1>
<p>It's a trade secret owned by FICO, formerly Fair, Isaac and Company (1956-2003) and Fair Isaac Corporation (2003-2009). As a <a href="https://www.uspto.gov/ip-policy/trade-secret-policy" rel="nofollow noreferrer">trade secret</a>, it is protected and breaches of the secrecy carry criminal and civil punishments.</p>
<p>Btw: Releasing the formula would invalidate all scores based on it, as it would open doors to manipulate the own score.</p>
