They do not perform a thorough analysis on your financial health and typically use a computer algorithm to spit out the letter to you.

Even since Google has changed their algorithm - I honestly haven't seen any negative effect in terms of the traffic that I get.The traffic tends to come in waves - and is rather unpredictable.

Google decided to change its PPC algorithm, and my leads began to dry up.

that of course means all the smaller guys who used to use credit score will now eyeball the information and make a qualitative judgement,  and all the bigger organizations will dump that information into an algorithm of their choice and generate their own number internally.

However, they use their own tools and algorithms to make predictions, similar to Zillow Zestimate and we know what happened with that :)

So I emailed them letting them know that something is wrong with their algorithm on the website.

Now the talk is about is about AI or machine learning algorithms to predict everything from "fit" to when a candidate will be open to leaving their current company.  

But of course, the experienced know the algorithm a bit better. 

They don't know the landscape but have 15 analytical spread sheets, sophisticated cap rate algorithms  and  every guru's investing handbook in their library.

It has an algorithm that takes into account general sales in the area an other factors like public data.It has no idea if someone has a quartz counter or Formica.