You actually can buy your Equifax report and FICO score from their site but its tricky to find the link on their deliberately confusing and slow website. They try to get you to buy their monthly service subscription which actually gives you a FAKO score, which is useless, a random number generated by the people selling it to you for a tidy profit. The reports themselves are real, the scores are not. All FAKO scores are dismissed by most people who are working on their credit or doing credit repair. The whole "score thing" is a waste of your money. Spend it on stamps or paper and envelopes to do some good by writing letters.
You can buy your TransUnion and Equifax reports and FICO score at http://www.myfico.com.
You cannot buy your Experian FICO score anywhere since they pulled it from the above mentioned myfico.com, in 2009 I believe.
If you join a credit union in PA called PSECU, you actually can get your Experian FICO score each month. You now must be a PA resident to join, up until June 2011 you could join a local Parks and Recreation Association as a way in to the CU as a non-resident of PA.
If you have a type of WalMart credit card, you can get your TransUnion FICO scores monthly I believe.
Both Quizzle and Creditkarma, and any scores that Experian, TransUnion, and except for the EQ report and score noted above, Equifax are FAKO scores and aren't anything that CC companies or any other lenders use, ever. Only FICO scores and their many versions (there's a TU98, a TU04 and a TU08 I believe) are what the vast majority of lenders will use. Creditsesame.com can be close to your real Experian FICO score, but it can also definitely be 60-80 points different. Thats the problem with FAKO scores, but creditsesame.com can be sorta close if your reports are very clean... There are many Auto enhanced reports and scores that car dealerships use, there are Mortgage enhanced reports and scores that lenders use, credit card companies use their own formulas for the scores off the reports they use. You cannot estimate your FICO scores by your FAKO score, its like the first rule in raising your credit or in credit repair...
Scores aren't what you should really concern yourself with. It's what is contained in your reports that matters. If your reports are clean, you will have a great/good score. A couple of baddies, a medium score and then basically with more than 2 baddies, you will have a NOT so good score. Pull your reports from http://www.annualcreditreport.com/cra/index.jsp which is actually run by the three credit reporting agencies due to Federal law ordering them to. Get your reports and see if you need to work to clean them up either by getting baddies off and/or increasing the positive aspects of what is actually contained on the three different reports. You need to get all three reports since they don't always contain the same information.
Myfico.com has some boards that contain a wealth of information on this subject. Another website called http://www.creditboards.com is a lively board that also has tons of real information for everyone.
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