How accurate are the Fico reports that credit card companies offer?

[AzCreditGuy]

I decided to do the free trial today for all 3 Ficos scores from MyFico. I wanted to analyze and track my credit scores as I pay down credit cards and 1 personal loan that I have in the following months.

On the credit report that I received from My Fico it shows that Experian and Equifax account for 9 credit cards and 1 personal loan. On Transunion 7 credit cards and 1 personal loan. Transunion is not showing 2 authorized credit cards that I am on, which is fine.

Barclays shows me Transunion Fico and shows the same as My Fico for accounts 7 credit cards and 1 personal.

Discover Credit Score shows Experian Fico and only shows 7 credit cards and 1 personal, which does match with My Fico.

Discover Credit Card account shows Transunion Fico and shows 7 credit cards and 1 personal, which matches with My Fico.

I do not have a credit card to compare Equifax. But wondering if Discover Credit Score that offers a true Fico is accurate?

[KLEXH25]

Well they should all be accurate since they're all getting their scores from the same source. It's just that lenders only give you a snapshot of your scores on one given day, so days or weeks later, the score can change.

[Anonymous]

The score is accurate for the time, CRA, and version it was pulled.

I think I recall discussion of discover scorecard not displaying authorized user accounts, so that may account for why you only saw 7 credit cards there. If so, it’s really only useful for the score, as it does not give you full accurate CR data.