<prompt> Human: i think i only ever paid once for my fico, and that was more than a decade ago. now i get it free from amex and chase. just checked mine and im at 831. how close to accurate is this?  <response>: Its 100 accurate. The real question is is it the same scoring system from the same bureau that lender x will use? Its great as a quick check - a major drop would be a nice indicator to check your actual reports. Chances are, though, that it is not the score a bank will get when they do a credit check. 