The description of this kit is not very well defined. It states that it "includes three FICO® scores and three credit reports". I assumed that was access to your score once a month for the 1 year purchase, which was the only reason I purchased the kit. It does not state "A one time FICO score from all 3", which would have made things a lot more clear. A little disappointed in myFICO for not giving a more detailed description on the product. If a MOD can give me some help here it will be appreciated. If not I will just be calling CS and work something out. On other notes: I AM NOT KNOCKING myFICO!! It is a very good quality report system ..