Well, if you want a snapshot, a true fico is the only one that really matters. It's what the creditors look at before approving you for something or not. I get those right on this website. I don't know of anyone that has ever had a problem. If you want to monitor you score, alot of people here use TrueCredit from Transunion. Get it through the Wal-Mart website though cause it's 3 bucks cheaper (I think). And be careful not to sign up for anythign extra if you get TC, .....uncheck all the boxes!!!!!