The credit scores we provide are a consumer credit score and not your true FICO Score. You can get your true FICO score at The type of report a dealership or mortgage company uses is a lending report. This report uses has a different algorithm than either a credit monitoring site or the credit bureaus. Consumer reports are not used for lending purposes. Instead, they only provide a general idea of your credit worthiness and help you monitor the progress of your credit while you're going through the credit repair process.