Consumer's have a right to get an overview of all their collected data as well as the calculated (category) scores once each year for free. These could essentially serve as input output pairs.

I know what the reports contain. And I do not see how you could gather any meaningful insights from it.

It is very likely that there is relatively simple formula that maps the input data to credit scores.

Given enough inputs and outputs, you can figure out the formula.

I don't see them collecting enough relevant inputs.

We will see.