<prompt> Human: I signed up for credit karma transunion, I believe and credit sesame and found scores at 635 and 683 respectively. I know they are both FAKO scores but I wasnt expecting the difference between them to be so drastic. Are they over or under what my actual score?How much does it cost and would I just go to MyFico.com or is the score from the Discover It credit card reliable? I am looking to apply for that card just to get the monthly credit report and also because I need to open a new fairly simple credit card.I would like to get my credit score up to 700-750 over the next 18-24 months. How often do you guys pay for your score if you pay at all?Update: Thanks for your input! I signed up for Mint Credit Monitoring and received scores ranging between 630 EQ, 627 EX 609 TU. Mint actually looks more accurate to me. Does anyone use Mint CM?TU is a bit lower than I expected but this sounds much more accurate to me than either Credit K or Credit S outside of my student loans which I am currently paying down on time monthly, I have no debt. I am unsure where to go from here to get my score up to 700 othen than increasing my credit-debt ratio with a new card and instead of using my debit card for all purchases start using my credit card in a way that shows up on my credit report consistently to boost my scoreUpdate: I applied for the Discover It card and was denied, however I was approved for the secured card. This was the best option as it did not show up as a denial on my report. I can eventually be transferred up to a regular card by next year. My score has gone up steadily and I am at 702 on both Credit Karma, Credit Sesame and Quizzle as of Dec 15  <response>: The FAKO and FICO controversy is all marketing spin. FICO is like the Monster cable of credit scores. The truth is that banks use all forms of scores. They dont disclose which ones because it is their proprietary underwriting formula. Its like Coke suggesting they use a specific brand of sugar. What matters is that all credit scores are highly correlated A good score on one means you are good on another. Comparing numbers between scores is not valuable as some have different ranges. Moreover credit scores are logarithmic mean a 50 point difference at a 500 credit scores is much different than a 50 point difference at a 700 credit score in terms of default risk. Source: I have been in the industry for 16 years and have build credit models. 