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There are three different major credit reporting agencies "Experian, Trans Union and Equifax" that maintain a record of your credit history known as your credit file.

Your FICO Score is based on the information in your credit file at the time it is requested.

Your FICO Score 8 is generated automatically once per month on the anniversary of your enrollment date.

It is also calculated when you pull your 3 Bureau Credit report, which is available once every 30 days. Your FICO Score 8 is calculated based on information from each of the 3 Major Bureaus and sent by mail quarterly.

Online enrollees primarily receive services through the internet and by email.

Annual billing is currently not available for new enrollees.

Current members of the annual billing option may remain in this billing cycle.

Offline enrollees receive services through the mail.

Your FICO Score 8 is calculated based on information received from each of the 3 Major Bureaus.

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