There should be a requirement that all creditors of any type Must use the same credit scoring model & that this score should be readily available at all times to the individual without penalty.
No more of this housing uses this report with x- model and credits use a different or similar in different industries.
There an intentional confusion regarding credit management by financial institutions. This needs to cease.
Also, there should a equitable level of effect between positive and negative reporting and how it impacts one’s credit score.
The problem with a single credit scoring model would be the possibility of a monopoly.