i have a truecredit account--i now know that those are "FAKOs" lol. bc we talked to our mortgage broker and when he "refreshed" his info and checked our scores again, i was a little upset to see that they were not as high as i had thought.

truecredit was cheap enough, unlimited, etc so i went with them. it is nice to go on whenever i want to see if something has reported (like the crown jewelers account/ boa 99/500) but i want my REAL scores!!
i know i sound cheap but the $15/mo was great because i could afford to get mine and DHs. tia