I guess there is something i'm missing with the way it all works.
If myfico can pull the report and compile a score whenever I want them to on a single-purchase basis, what is it about the credit reporting agencies themselves that can block myfico from offering products like this? I thought myfico just bought the reports and did all the scoring work on its own after the fact. So that confuses me even more about the 'things helping your score' part that you mention. That comes from the agencies themselves? How do they relate to the fico scoring system then?? I figured the CRA's did not know the details of how fico's own scoring system works.. and that was one of the reasons they created their fako scores and can't seem to get them to even remotely match up with fico scores and how they adjust.
I suppose there are some intricacies involved between myfico and the CRA's that I didn't know existed or had to exist..
