Have you ever noticed how your credit score is different when you buy it on line vs. when it is pulled from a lending institute who uses FICO. The reason is that independent companies all over the internet realized that if they were to give you your credit score based on FICO, they would have to pay royalties to FICO as well. So many created their own scoring system where they can charge you and all the money goes directly to them.
The problem with this is that 90% of all lending uses the FICO scoring system. So when you purchase your credit score on-line from an independent company not using FICO, you will not be receiving an accurate score compared to the majority of lenders using FICO. This can be a devastating reality for many who think their credit score is much higher then it really is.
*Equifax is the only bureau website you can order your FICO score from directly. The score is marked as Score Power.
*Experian sells the Plus Score on their website. If you have purchased a score from them or any of their affiliate websites, you did not receive your FICO credit score.
*TransUnion sells the TransRisk score under their TrueCredit brand. This score is not commonly used in the lending world. However, TransUnion does sell the legitimate FICO score but you need to go to this website to get it. http://www.transunioncs.com