Barry probably can't tell you this (because he works for FICO and it wouldn't look good), but I can because I have absolutely no relationship with them. See my post about Advantage.  There are a lot of scores out there - the new one being "VantageScore."  Stick with a FICO based score.

 

No lenders I know of use the other non-FICO scores (but I am told Beacon and others are FICO based) - so they are almost worthless (unless you just like to pat yourself on the back for paying your bills - which is certainly okay - and besides you can get over a 900 with Vantage which feels kinda good too ). 

 

You should always check your credit with all three bureaus for fraudulent accounts - but if you are looking for your "score" I personally would stick with myfico or Equifax (until Equifax goes to Vantage - then ditch them too).  So far, no creditors I know of use any score other than FICO based scores.