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"Accurate" in what sense?

Fair, Isaacs (FI) calculates the credit score that matters. Their method is secret and certainly doesn't have access to it. They probably have tuned their scores to be similar to FI's scores but there's no guarantee.

And, each lender can modify some aspects of how FI calculates a credit score. What's important to one lender might not be important to another lender.

If you have good credit, it will probably show up on both metrics. Likewise for bad credit. But if you have marginal credit, or if you are trying to qualify for something like a 0% auto loan, don't trust any score other than FI's.

In general, third-party credit report aggregators don't deliver good value for the money.
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