Indeed it is. The credit reporting agencies are very, very secretive as to the exact formula of the score to keep them from being able to be exploited. Most of the knowledge that we have gained has been from experience working with bureaus/scores. Once the cat is out of the bag concerning a certain parameter, the Credit Reporting agencies generally will have no issues with confirming it, but to do so, the criteria must be widely believed to be fact.
Hundreds of different behavioral patterns from your bureau are utilized to calculate your score, it is nearly impossible to eliminate what does and doesn't effect your score, as it is difficult to prove that other factors do not play a role in addition to a certain charactoristic.
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