A FICO (Fair Isaac Corporation) credit score is a grade used to help people make decisions about their finances and credit-worthiness faster and more objectively. There are 3 major credit reporting agencies: Experian, Equifax, and Transunion. Each agency reviews your financial history and compiles your credit report. A credit report is a history of your credit lines, loans, payments, and shows who has checked your score recently. Agencies use this full credit report to calculate and assign you a credit score, which is commonly referred to as your FICO score. 

Your FICO will vary slightly between agencies, but any major differences may indicate an error or misconduct, so it is important to get in the habit of checking your credit score at each agency.

Additionally, your credit score may be different from the one reported by your credit monitoring service. The scores may be different because the credit monitoring company may be using different credit systems to determine the credit score.

If you believe there are errors on your credit report, please contact the credit reporting agency that maintains your credit report.