It just occurred to me today, FT is a big community. Then, there is also CreditBoards.com who specialize in credit repair. With 2 big communities dedicated to the art of CC application, why is it that there is no insider data floating around on the net?

By insider data, I am referring to stuff like the following that would be very helpful to us:
1) Algorithm that each bank uses to determine your total credit line
2) Algorithm that each bank uses to determine auto-approval

Basically, hard numbers. I know that the FT community is great on pooling data, e.g. Citi's 8-day, 65-day and 90-day rules of application, but beyond reliable anecdotal data, we have no hard data. Why? I can't be that the entire FT community is made up of people who have no relationship with the finance industry.