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Mason - haha oh... yeah I donno how to get the exact calculation for this. Fair Isaacs developed a scoring model to make scores consistent between the 3 credit bureaus - I'm not sure they would release the exact calculation.
Here's a link that explains the basic parts of the score
-Al
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yeah i was hoping someone knew like "hey each year of each good account is worth about 10 points and each collection is worth about -50 points etc"
or even "400-500 means you've had 4 collections and a write off, 500-600 means 2 accounts in good standing, up to 5 late payments" etc etc
maybe it's all too complicated for that kind of stuff though