Okay, I signed up for a service that I believe just "generalizes" about what my score is from information from the 3 credit agencies instead of what my "true" score is. Is this score typically lower or higher than the actual FICO score? Is "True Credit" (another credit reporting site) more accurate? What is the most accurate? And is this other form of coming up with a FICO score really called a "FAKO" score, or is this just a nickname for it?