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@resjudicata To be clear, I didn't take your post as disparaging my work. You brought up a legitimate concern and reddit will sometimes take a legitimate concern and blow it out of proportion, especially if the OP doesn't address the concern. Unfortunately, it's not a concern I can or have...

@resjudicata I can understand your concern. If someone else had done this and I stumbled across it, I would be hesitant to run it. I've tried to be transparent about what I've done and how someone with some JavaScript knowledge could go about checking my work (which might be a bit easier with a...

If you don't use Credit Karma, this probably won't interest you much. If you do, and you update your score frequently, you may have noticed that you can click on one of the monthly data points and see the individual credit scores you received each month. It's clear the individual data points...