GoCreditGo! wrote:What kind of stuff should I be on the look out for? [color="red"]Is the myFICO website a good site to pay to get my score, they seem legitimate[/color].
They ARE legitimate, in that they are true FICO scores...from the FICO website. The models used there are:
Experian = 08 model. Anecdotally, most lenders use the EX 04 model, but that will likely change in the future as the 08 model becomes more popular.
Equifax = ?? This is an interesting situation. In the past and for a long time, EQ has used the Beacon 5.0 model. However, posts at the MyFICO board indicate that FICO is planning a news release about going to the Beacon 9.0 model, and indeed some posters over there seem to think the FICO has already gone to the Beacon 9.0 model. In any event, that's becoming a more popular model and many lenders have moved to or are moving to the Beacon 9.0 model.
Transunion= 98 model. This is an old model that practically no major lender uses. The 04 model is the most popular right now, but the 08 model is what one gets from Discover and WalMart; Barclays IIRC, uses the 04 model. I would not waste my time in buying a 98 model report for the score alone; only if you want to look at the actual report for accuracy, and there are other places you can do that for free.