Read: https://www.ftc.gov/system/files/documents/public_comments/2014/08/00014-92369.pdf
This report is a little dated, having been written in 2014, but it is still very interesting. Businesses began using credit scores to make decisions in 1950, when Fair Isaac and Company began selling scores to businesses. The usage grew from 20-30% of credit decisions in 1979 to 75% in 2009. However, credit scores were a secret until the mid-1990s, and it wasn't until about 2000 that the public became widely aware of them. FACTA in 2004 allowed consumers to see their scores.
Today it is likely that there are still secret scores, because it is obvious that credit card companies are making decisions on issuing cards on factors that they are not disclosing.
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