It's all in the presentation, people.

So if you didn't already know (because you are clueless), I'm of facebook pretty regularly. One of the things I've noticed on it is the ads for credit reports. The most recent string of them involves some number, usually in the high 600's, made to look really pretty, like this:

My guess is that, if they make your score look good, you won't be so pissed off about it. I used to teach statistics to maintenance techs at AMD, and one of the things I would always teach is that it doesn't matter what data you are presenting, your boss will like it if you use pretty charts and graphs. I guess the credit score people think the same thing.