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If you try to get your scores through their site you may have to enroll in a “free” trial with the credit bureaus that can be difficult to cancel during the 7-day grace period. The vast majority of website, including the offers from the bureaus through Annual Credit Report.com, use imitation scoring models that are not FICOs.What they offer you is NOT used by lenders or creditors; it’s merely a score for “educational purposes.” If you want to get your real FICO, there are several sources licensed to provide it directly to consumers as of Q2 2016: Even though checking your reports through the Annual Credit website won’t get you your scores, it’s a great way to check your credit health and to make sure all the information is accurate.The table below shows the breakdown among the various types of relationships.

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