Credit Cards Center Credit cards from our partners
Valued Member
Posts: 34
Registered: ‎01-30-2013


Please forgive this question as being dumb. I joined the site a couple of weeks ago, and I am just confused about FICO scores. Isn't hat what the big three provide? I have been subscribing to the experian credit monitoring, but I am told that it is FACO not FICO. If that's fake, then what is the true FICO score? Does it exist outside of the three agencies? I.e.., is there an independent FICO score?


Any help would be much appreciated.



Starting Score: 640
Current Score: 687
Goal Score: 720

Take the myFICO Fitness Challenge

Established Contributor
Posts: 904
Registered: ‎10-15-2012

Re: Confused....

You have 3 FICO scores, one each from TU, EX, and EQ. However, these bureaus also sell versions of their own scores that are not FICOs. You can get your TU and EQ FICOs from this site.

Starting Score: 515
Current Score: EQ08 711 EX08 731 TU08 735
Goal Score: 740+

Amex BCP $25000 | Discover IT $15250 | PSECU $10000 | Citi DC $7700 | Barclay Ring $6500 | Citi DP $5400 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays Aviator $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $200 for 8 years
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007

Re: Confused....

Each of the three CRAs contracted with FICO to create a FICO score for each. Therefore you have 3 different FICO scores (well, more if you compare the various models and model years floating around out there). 


The word "FICO" is just like Xerox was to copying or Band-aid was to all bandages out there. It's ubiquitous and consumers tend to assume that all "credit scores" are FICO scores. Companies capitalize on that and sell credit scores hoping that consumers would think they're FICO scores. Dozens and dozens of companies like,, creditkarma,,, and a hundred others sell scores but they aren't FICO scores.


You're limited on the places to get your FICO score.

You can only buy your EQ FICO from myFICO, your lender, or from (buyer beware: the scores they push are a FAKO, but your EQ FICO can be purchased through EQ).

You can only buy your TU FICO from myFICO or your lender.

Finally, you can only buy your EX FICO from your lender. As of a few years ago, Experian blocked consumer access to your own EX FICO.

Aside from the above, you can also get your FICO scores for free or at a reduced price. Banks and CUs will offer it as a benefit. M&T Bank, Unitus Community Credit Union, and Digital Credit Union each offer an EQ FICO. You can get your TU FICO from Wal-Mart or Merrick Bank if you have CCs with them. And you can get your EX FICO from PA State Employees Credit Union (PSECU) if you have a checking account with them. There are other CUs out there that will offer a FICO if you ask them as part of a benefit for being a member.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.