Answer: -Personal_finance_101 is right, they keep it a closely guarded secret.The best you can do is go to the link and enter your info to get your score. It will not be a true score, but if you are honest in your answers, it should be fairly close. -No one knows the exact formula except the people at Fair Issacs. However, if you want to know what is included and how that is wieghted for your score, myfico.com has a good credit education section. -There is more than one formula.Your credit score can actually be different on all three credit reporting agencies, though they should be similar. Each has their own way of scoring. -The credit score methodology is secret. Otherwise people would 'game' their score to drive it up.The Wall Street Journal has done some research and discovered some interesting things. For one, closing credit card accounts that have a zero balance actually hurts your credit score. One component seems to be the portion of available credit you're actually using, lower being better.There, no guessings (whatever the fu*k that means) or "I think". Now, a little more tact would be good from you.