credit score formula

What are the exact formulas and calculations used to make your credit score?

Besides, I can sue if the agencies are responsible for erroneous information. Punitive damages?

Credit score formulas are proprietary. No one knows the precise method. If there are errors in your credit report, you dispute the credit bureau. Be verified with the creditor and contact you within 45 days. Here is the information the FTC on the conflicts that can help: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtm