i had the same type of problem. my score on this site showed 730. i went to the bank two days later to get a loan. they ran all three agencies and my score was only 703. i use this program because they say most banks use fico scores. its a national bank..i think they'd be included in "most" banks. what's the deal here? i'm due to re-up in five days for the year but i'm shopping around for other services now.