Final answer:
The method for calculating credit scores is debated in terms of fairness due to its reliance on objective factors but potential lack of consideration for certain external elements.
Step-by-step explanation:
The method for calculating credit scores may be considered fair by some and unfair by others. It is based on objective factors such as a person's borrowing history, credit utilization, payment history, length of credit history, and credit mix. These factors provide a numerical representation of a person's creditworthiness. However, some argue that the system may not take into account certain external factors that could affect a person's ability to repay debts, such as job loss or medical emergencies.