I am XXXX years old. I own XXXX homes without mortgages. I own XXXX cars without loans. I have substantial money in the bank. I have XXXX credit cards which never have a balance carried forward. The balance on the cards is paid in advance of the due date. I have XXXX years of credit history with no negative reports. TransUnion is taking my XXXX XXXX XXXX Bank credit card balance that is never carried over and is paid wel in advance of a due date to calculate my credit score. TransUnion will not explain why this is done and why it is only done on XXXX of the XXXX credit cards I use. I requested that TransUnion take my credit report and show me how they arrived at my XXXX credit score. My score goes down each month. I have had no credit inquires. My credit use is the same each month, with no balances. TransUnion has failed to provide this information. Credit scoring discriminates against senior citizens who have generations of good credit history but no longer have loans, mortgages or carry credit card balances. The credit reporting and scoring companies will not and can not explain how my personal credit score is determined and why it continues to go down. This score impacts negatively on the rates I pay for insurance. Credit scoring companies force citizens to have a credit score that impacts their financial transactions but they will not and can not take an individuals credit report and explain how the credit score is calculated or why it continues to fall when there have been no credit transactions.