The US credit scoring system is not fit for purpose anyway. I don't care what algorithms they're using, I consider them to be wrong because they fail to account for all relevant factors. Worse, the credit system has wormed its way into almost everything - want a phone contract? Unless you're paying up-front they'll go check your credit score. Want a job? Yes, some employers want to know too.
They seem to give greater weight to short-term things such as your current credit card balance, yet ignore the fact that this is a cyclical thing and that it's paid off in full every month, so you get a better rating just after you've paid off the card than just before, even though your overall spending/paying behaviour is the same (obviously if you don't pay it off then that's a different matter).
Minority Report, anyone?