MY HUSBAND AND I PAID FOR CREDIT MONITORING WITH SEVERAL COMPANIES, AND TO OUR ASTONISHMENT, THEY WERE GIVING US A SCORE AT LEAST 100 POINTS HIGHER THAN IT TRULY WAS. WE HAVE BOTH FILED BANKRUPTCY YEARS AGO, AND ARE WORKING ON RAISING OUR SCORES. AT ONE POINT, WHEN WE THOUGHT THE SCORES WERE HIGHER, WE APPLIED FOR A MORTGAGE. THE MORTGAGE COMPANY SENT US A COPY OF OUR REPORT. WHAT A SHOCK AND SURPRISE, WHEN WE FOUND OUT THE REAL SCORES!!! APPROX. 70-100 POINTS LOWER. THE ONLY TRUE SCORES YOU CAN COUNT ON ARE ACTUAL FICO SCORES!!!! TRUST ME. DON'T PAY FOR THESE OTHER SITES THAT OFFER MONITORING. NOT ACCURATE AND NOT CORRECT. SINCE I STARTED WITH MYFICO, BOTH OF OUR SCORES HAPPILY, AND ALOT OF HARD WORK HAVE GONE UP 70 POINTS IN THE LAST 6 MONTHS. FICO HAS THE TRUE SCORES THAT COMPANIES GO BY. CARS, AND REAL ESTATE ARE THE BIG ONES!!!THE MORTGAGE COMPANY SAID THEY GET A TOTALLY DIFFERENT SCORE THAN THE CREDIT MONITORING COMPANIES OTHER THAN FICO. ANYWAY, JUST WANTED TO SHARE!!! THANKS