Dear Liz: You recently wrote that it wasn’t possible to get all three of your FICO scores. In fact, you can get all three credit bureaus’ FICO scores at the same time at http://www.creditchecktotal.com on a one-time or subscription basis. I have the subscription at $29.95 per month and I can run all three as often as I want. They also have online inquiry to two of the three bureaus.
Answer: You’re getting access to credit scores at that site, but they’re not the FICO scores that most lenders use.
CreditCheck Total is a credit monitoring site run by the credit bureau Experian, which stopped selling FICO scores to consumers in 2009, although it continues to sell them to lenders. Instead, Experian typically sells consumers its own in-house credit score, the PLUS, which is no longer used by lenders. As the site says, “Lenders and insurers use several different credit scoring models, so don’t be surprised if your lender gives you a score that’s different from the PLUS Score you receive online.”
Currently the only place to buy two of your three FICO scores is at http://www.myfico.com.
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