The Credit Reporting Agencies hold consumers hostage and decide their credit fate at their whim. Their undisclosed algorithms calculate a score that consumers do not have access to unless they apply for a loan or " buy '' the score from the agency ( for a monthly fee of {$29.00} ). When you do buy a score from XXXX of these companies, it 's not guaranteed to be the same score a creditor would get if pulled on the same day. That is because each reporting agency has multiple scoring systems and there is no certainty as to which XXXX the creditor is pulling. The " key factors affecting your credit score '' are even more of a joke. They do not provide any real insight into your score and are not consistently supported by what is in your report. I recent requested by XXXX report from XXXX. Despite no delinquencies, charges offs, or other negative information showing on the report ( not XXXX derogatory item ), the top factor affecting my score was " serious delinquency. '' The credit score tracking provided by XXXX of my credit cards ( presumably from Experian ) is no where near close to the credit score disclosed to me on a risk based pricing notice from a creditor from the same period. The credit reporting agencies have a monopoly over individual 's credit access and they are not held accountable nor is there any transparency. When is the CFPB going to regulate this industry and hold these companies accountable? How many studies must you conduct regarding the abuse before you take action? FCRA does not provide any consumer protection from these for-profit agencies.