Glad I thought of that. It isn't made clear anywhere that all 3 might have differing FICO scores - my original thought was that they all went to Fair Isaacs to get my score - not considering the possibility that they might each score me differently based on the info they had in my report.
No, not at all. I understand that there are 3 different credit agencies, with three different credit ratings. What I'm not understanding is if each agency has a different FICO score - or if all 3 get the FICO score direct from Fair Isaac and it's the same score, no matter which agency you request it from.
Darn - wish I'd read this link (and the above links) in detail. I just read the part that said all 3 have different scores. Unfortunately, since I didn't pay attention to the details, I went ahead and paid Experian and TransUnion for FAKO scores. Rats. Now I have to pay a second time to get the actual FICO scores.
Oh well...lessons learned. Maybe it will help someone else in the future who might read this thread.