Strange as it may seem, the score should not be there. This is the biggest disappointment about every credit report, no matter how accurate it is there is no indication of the actual credit score (the FICO score) in it. The report you get reflects your credit activities, it does not give you the magic three digits. If you want to know what your credit activities total to, you have to pay and then the bureaus will provide you with the score. The bureaus (www.equifax.com, www.experian.com, www.transunion.com) also run temporary offers to get the score for free, but you have to be careful and read all the conditions and terms scrupulously, otherwise you may end up charged for some membership you don’t want. There is one other web-site www.myfico.com that provides the real FICO scores, and that’s it. No other web-site is authorized to tell you your credit score. If somebody claims they are, it may well be that you are being scammed. Nobody can buy a whatever score one wishes for from anyone.
As there are three different bureaus, there will be three FICO scores that may differ a bit for the same reason as the reports differ. The scores are derived totally from the information in the reports.
