Your point is well-taken, and I've complained about this as well. If this magical FICO score is being used for so many critical financial decisions, people have a right to know the exact cause-and-effect of their actions.
Having said that, protesting against Fair Isaac by letting your score go to s--t is not a smart move. Their general guidelines state that your score is based on those 5 factors, all of which require you to have and use credit. If you choose to avoid credit, as twisted as it may seem, you will suffer the consequences.
Dave Ramsey allegedly once said he was proud to have a 0 FICO score. That is financial suicide -- at least for anyone who doesn't make millions from giving poor advice.
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