FICO scores are used by lenders to make credit granting decisions. Some of the credit scores offered by online credit report monitoring services can be misleading when compared to your actual FICO score. FICO scores are available at http://www.myfico.com for a fee. However you are only able to obtain your TransUnion and Equifax FICO score.

Wikipedia Definition
“FICO is a publicly-traded corporation (under the ticker symbol FIC) that created the best-known and most widely used credit score model in the United States. The FICO score is calculated statistically, with information from a consumer’s credit files. The FICO score is primarily used in credit decisions made by banks and other providers of secured and unsecured credit. It provides a snapshot of risk that banks and other institutions use to help make lending decisions. Banks may deny credit, charge higher interest rates, demand more collateral, or require extensive income and asset verification if the applicant’s FICO credit score is low. Applicants with higher FICO scores may be offered better interest rates on financial instruments such as mortgages or automobile loans. Lenders usually establish different credit score cut-offs to determine to whom they are willing to lend.”