I have done this research and actually talked to the agents at Transunion. Al of these Trial Credit Reports and scores internet sites give you the 3 Credit Reports and Scores but what they are not telling you is the Scores you receive are based on their calcualtion after compiling your credit reports, not the actual Bureau Scores.
I have been with True Credit .com for years thinking I was getting actual information. I called Transunion and the agent there told me that the scores they have been providing are not actually Transunions Scores. The scores that I had been provided by the company were way lower than my actual score with Transunion. Transunion would not give me my actual score over the phone, but I did tell them the score that I had been receiving from True credit and he told me that Transunion doesn't offer a score below 500.
I then began to check other companys, and got the Chase Identity Protection agents. I ask all of them the same question, "Are these scores the one that your company compiles or are they the actual scores?" The Chase agent was honest and said they were what the company comes up with based on my credit report.
I was very surprised.....that this seems to be 100% True....
So I went to each Bureau, spent about 10 more and am going to receive my actual reports and scores...
Thank you Transunion for this valuable information. Thank you T. at Chase Identity Protection for placing honesty before making money...
Sonja
Oklahoma City, Oklahoma
U.S.A.