I haven't read all of this thread but isn't there some sort of consumer group that lobby's for the consumer's right to know their actual FICO scores?  I think it should be a US Law that every consumer should have the ability to get an annual free credit report as well as annual free FICO scores.  I guess the grey area would be why just FICO scores and not Experian's own proprietory scoring system too?  Or why not all variations of TU's scores either?  I do see that it would be complicated to determine which scoring model score would be the free one to get, but some  information is better than no information IMO.