<p>hmm interesting article. It is true that there are several places that advertise credit scores that aren't actually the FICO score (jokingly refered to as FACO scores)
But I don't buy my reports/scores from the CRAs. I buy them through a website that is a division of Fair Isacc Corporation(<a href="http://www.myfico.com%5B/url%5D">www.myfico.com</a>, also referenced on <a href="http://www.fairisaac.com%5B/url%5D">www.fairisaac.com</a>), so I'm sure that what I'm getting is my actual FICO score.</p>