That strange little diagram up there is a broad explanatory breakdown of how the scoring system works. I say broad because no one can accurately predict how it will work except the people who developed it. Some FICO SAP certified people can tell you how they think it works, but only the fucking Fair Isaac Corporation knows. And the exact mathematical model they keep really tightly under wraps. Anyway, this is a broad view of what goes into the calculation and how more or less the equation results in your particular score.

Now, all scores are not the same, that's why every Credit Reporting Bureau has a different score. They each also use another method. What method? Their own private fucking method. And if all this analytical bullshit wasn't confusing enough already, they also have the Vantage score which is owned jointly by Experian, Equifax, and TransUnion. It's probably called vantage because their think tank believes it holds some Advantage, but who the hell knows.