NONE of the credit reporting agencies ( Experian, XXXX, or XXXX ) explain HOW a credit score calculation is done ( there is only information regarding what " % '' of a credit score is from various sources-e.g. debts, credit utilization, etc. ). Please INVESTIGATE EACH CREDIT REPORTING AGENCY and find out WHY there is NO INFORMATION given to consumers regarding HOW a credit report score is calculated! 
