Update: Link expired!
When credit agencies pull your credit score, they pull your real FICO scores from Equifax, Transunion, or Experian.
While there are hundreds of services that offer to let you check your credit score, they’re all just fakes! Those scores are called FAKOs, as they are just simulated scores, not your actual credit score.
Just remember to cancel within 30 days and you won’t have to pay a cent! After 30 days the service will cost you $16.95/month.
While the Equifax scores from this service are legitimate FICO scores, the Experian and Transunion scores are simulated FAKO scores and may not be accurate.
This report will also tell you how many inquiries (hard pulls) you have from each agency.
-Checking your own credit will not effect your credit in any way.
-Agencies like Citi, Credit Karma, TrueCredit and Vantagescore do not sell real FICO scores. They only have FAKOs and are often measured in different ranges (like 501-990, or 150-900 instead of 300-850) than your real FICO score. Credit agencies check your real FICO score, not a FAKO score…so there’s not much point to knowing a FACO score. The only other place besides for Equifax that gives a FICO score is directly from MyFico.
-You can check your credit report for free at annualcreditreport.com, but that will not display your score for free. This is one of the only ways to check your FICO score for free!