Demystifying FICO Scores
(Bankrate) — Q: What is the relationship between FICO and the three credit bureaus?
A: FICO is not a credit reporting agency. We have a relationship with the bureaus so that when it comes to developing FICO scores, they provide the credit data that are used to develop the scores. They provide that to FICO, and FICO does the analysis of that data. So when you request your credit report, that request, whether you go through myFICO or one of the other sites, that will ultimately go to the credit bureau where they will pull the credit file, calculate a score and that will be delivered back to you the consumer or the lender.