When checking your credit, there are two ways you can do it. You can use free credit reporting companies that you a different algorithm. They will give you a general idea of what is on your credit report but they are not truly accurate. They use a scoring system called a Vantage score. When checking your credit and credit score, you want the most accurate credit report and score. What you are looking for is your Fico score. When applying for a loan, almost all credit lenders check your Fico score and report. You never hear a lender say they are going to check you Vantage score. We have shopped around and tried to come up with most accurate Fico credit report and score with the cheapest options. Clicking on the link will take you to best option we have found so far. They give you several options to choose from. Keep in mind, when choosing an option, you will want to choose a plan that will give you an updated credit report monthly with an updated score so you/we can track your progress. They also offer fraud protection and other services.