Credit Scores

I have often heard what I thought was a rumor that the credit scoring companies really have no idea how they come up with their numbers. Supposedly, the key to scoring is locked up in a room somewhere tightly hidden so no one can really know how to get and keep a high score. Now, I have heard the same rumor in regards to how Adsense works. That the secret is carefully hidden and no one exactly knows how it works. If this is true, then the review of AdSpy Tracker Software that I read would mean its tips are invaluable.