I'm familiar with the percentage breakdown of how a credit score is calculated. I'm wondering what is the exact formula is that can be used to come up with a point value based on specific input parameters? I am wondering specifically about the latest method of FICO 9.
The FICO score is an invention of one company, FICO (formerly called Fair Isaac). The exact formula is a trade secret that the company does not reveal. This allows them to maintain a monopoly on FICO scores. The only way to know what your real FICO score is is to ask that single company what it is. They will not tell you, or anyone else, how to calculate it yourself, beyond the rough percentage guidelines you mentioned.