fico scores and credit files

[Anonymous]

I have an act with true credit by transunion where I get my three credit reports and scores once a month.  The Credit scores that I get there each month are they the same scores that a creditor will get when they pull my file ?

[Jazzzy]

No, the scores you get through True Credit are not FICO scores. Most lenders use FICO scores as one part of a credit decision.