There is no secret: the procedures are well studied. However, it is important to know whether the events are independent or dependent.
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That would be password.
passbookpasserbypasskeypassoverpassportpassword
good positive account history, public records, lates vs. no lates, hard inquiries, anything considered derogatory is considered negative. FICO use a secret formula to compute your credit score
divulge a secret
Yes, it is. While the word "secret" can also be used as an adjective, secretive refers to people or their activities: to keeping secrets or to deliberately hiding something.So you would not have a "secretive plot" (secret plot) but you could have a "secretive person" or group.