A credit score is a number representing the creditworthiness of a person or the likelihood of a person will pay his or her debts. The credit score is primarily based on statistical data from the three credit bureaus. Using the credit scores, lenders determine who qualifies for a loan, the interest rate and credit limit. FICO (The Fair Issac Corporation) is a publicly traded corporation and is the most widely used credit score model used in the U.S.

If you request your credit score the only one you should purchase or pay attention to is from FICO. The other scores are FAKE. If you are using a credit repair organization find out if the score they provide is from FICO or fake! Just remember…if the scores are not FICO – ignore them. If the credit-related service does not monitor your real FICO scores – ignore them.

As of February 14, 2009 you can only purchase 2 of the 3 FICO scores at www.myfico.com/12