John – I want to get my FICO scores. I’m confused about the options. What is the best and cheapest way to get all three of them?
Answer – That’s a very easy question with a very complicated answer. There is no retail website where you can go buy your three FICO credit scores. It simply doesn’t exist. There are a ton of websites that will gladly sell you 3 scores, but they won’t be FICO scores. The only way you can get all three of them is to apply for a mortgage loan (or get pre-qualified). The Fair Credit Reporting Act requires that mortgage lenders disclose your scores to you when you’ve applied for a mortgage loan. It’s a radical step to take just to get your three FICO scores, but it’s the only way. Sorry!