Bill Fair and Earl Issac started the Fair, Issac and Company (FICO) after meeting at Stanford University in 1956. Using their combined skill sets, Fair an engineer and Issac a mathematician, the two developed an algorithm to predict credit risks. FICO built their predictive model using consumer behavior  and demonstrated that, contrary to many old-fashioned banker beliefs, race played no part in a borrower’s ability to repay loans.

As a consumer, you are entitled to one free credit report annually and there are now services such as Credit Karma that allow you to essentially pull your credit score without any impacts whenever you wish. If you notice errors or discrepancies in your report, you can take actions to resolve them.

This same model is needed in the consumer healthcare industry. Companies that collate data on patients and calculate these scores also need to make them publicly available and there should be an agreed upon standard set for who can collect such data, what they can collect, what data points should be allowed in factoring these scores and how long can this data can be stored.