Identity Guard

Bottom line: All 3 credit scores free; most comprehensive & best overall service; 25% discount & free 30-day trial
PrivacyGuard

Bottom line: All 3 credit scores for $1; monthly credit score & report updates plus other benefits; 30-day trial for $1
Trusted ID

Bottom line: All 3 credit scores free; great value, especially for families; free 14-day trial
Equifax Complete Advantage

Bottom line: All 3 scores plus excellent 3-bureau monitoring and ongoing Equifax score updates; no free trial
ProtectMyID.com

Bottom line: Cheapest monthly price to monitor all 3 credit reports, but no scores
LifeLock Credit Score Manager

Bottom line: 3-bureau credit monitoring & one-time 3-bureau credit scores; updates TransUnion score monthly
CreditCheck Total

Bottom line: Monthly 3-bureau credit score updates; $1 7-day trial; a bit expensive
Equifax Score Watch

Bottom line: Only monitors Equifax report; two Equifax FICO® Score reports annually plus updated score whenever it changes; no free trial
CreditReport.com

Bottom line: 3-bureau monitoring; bi-monthly Experian score updates; free 7-day trial
True Credit 3-Bureau

Bottom line: Only monitors TransUnion credit report; unlimited TransUnion scores; free 7-day trial
FreeCreditScore.com

Bottom line: Only monitors Experian report; two updates/mo to your Experian Score; free 7-day trial

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Does FICO use credit scores from all three credit reporting agencies to come up with their own FICO Score?

May 31st, 2011 - Posted by Tasha

Q:  Does FICO use credit scores from all three credit reporting agencies to come up with their own FICO Score?

FICO ScoreA: FICO is the brand name of a credit score calculation created by Fair Issac & Co in 1956. FICO actually uses their own proprietary credit algorithm to determine your FICO score; they do not use the credit scores created by the 3 credit bureaus.  Like all other credit scores, the FICO score is based on the information found in your credit report. And since you have 3 different credit reports—one from each of the 3 credit bureaus—you have 3 different FICO scores.

To learn more about how the FICO score is calculated, see our What Does FICO Mean blog post.  To learn more about credit scores, see our credit monitoring FAQ.  This is also a great time to take a look at our top rated credit monitoring services for free trials and free credit scores.

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