The true credit score is the FICO score which is a product of the company that used to be called Fair Isaac, but now they have the name FICO. Clark Howard describes
the differences between your FICO score and the other scores that are known as FAKO scores. The services that provide free credit scores typically offer FAKO scores:
you can get a FAKO credit score based on your TransUnion report for free everyday from CreditKarma.com. Other sites like Quizzle.com will give you their FAKO score twice a year, while Credit.com gives you a monthly report card with a letter grade and a number that roughly equates to your true FICO score.
There is one credit union with easy membership that allows you to see your real FICO score from Equifax without any charges (see post