myfico.com (run by Fair Isaac) is the only place you can get your “real” FICO scores – however, even then a lender may be looking at a different score (Fair Isaac also provides “enhanced” scores to lenders tailored to their industries such as the mortgage-enhanced or auto-enhanced scores, and those you can’t see).
Some data (like DOFD if you’re interested in when a negative will drop off, or full contact/account info for creditors) is only available from the credit reporting agency directly (experian.com, transunion.com, equifax.com). These sites will also offer you a score for a price, but the scores are NOT FICO scores, and may be siginificantly different than your real FICO scores (the scores offered by companies other than Fair Isaac are known collectively as FAKO scores).
I pull my FICO scores from myfico.com every few months to check the score, and every year pull the free report directly from the CRA (using http://www.annualcreditreport.com) to have the full record.
