{"buyer_scenarios":[{"fit":"best_suited","scenario":"Mortgage applicants who need to see the exact FICO mortgage scores (FICO Score 2, 4, 5) used by Fannie Mae and Freddie Mac lending systems"},{"fit":"best_suited","scenario":"Auto loan and credit card shoppers who want to preview the FICO Auto and Bankcard models lenders pull"},{"fit":"best_suited","scenario":"Consumers comparing credit profiles across all three bureaus before applying for loans, to identify bureau-specific differences"},{"fit":"best_suited","scenario":"Borrowers who value model transparency and want to know exactly which FICO version and bureau each score derives from"},{"fit":"not_best_suited","scenario":"Budget-conscious consumers who only need a free general credit-health estimate or basic score tracking"},{"fit":"not_best_suited","scenario":"Users who only need VantageScore for general credit tracking rather than lender-used FICO models"},{"fit":"not_best_suited","scenario":"Consumers who want continuous daily score updates at low cost, since the higher tiers required for three-bureau access carry significant subscription fees"},{"fit":"not_best_suited","scenario":"Buyers who need guaranteed access to the exact score a particular lender will pull, since the score a lender uses can vary by loan type, lender, application date, bureau data availability, and lender policy"}],"citations":{"source_mix":{"company_owned":9,"independent":7,"unclear":4},"sources_referenced_by_questions":0,"support_mix":{"direct":17,"partial":3},"total_sources":20,"unique_domain_count":8},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Credit Score Services for Seeing the Scores Lenders Use","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Lender-Relevant Credit Score Access","subject":"myFICO","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"myFICO","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-07","platform_support":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"myFICO","unit":"platforms","value":7}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.8571428571428572,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"myFICO","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://creditconsensusindex.com/datasets/credit-monitoring-scores/lender-relevant-credit-score-access/myfico.json","page_url":"https://creditconsensusindex.com/credit-monitoring-scores/lender-relevant-credit-score-access/myfico","report_type":"fit_review","study_id":"CCI-STUDY-37194B1306E7","title":"myFICO for Credit Score Services for Seeing the Scores Lenders Use Review"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Credit Consensus Index cross-platform AI consensus 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unverified and require buyer confirmation?","section":"Where the AI Platforms Disagreed or Were Uncertain","section_id":"where-the-ai-platforms-disagreed-or-were-uncertain"},{"claims":["claim-002","claim-003","claim-004"],"entities":["myFICO"],"id":"question-007","question":"Which specific FICO score versions does myFICO provide for different loan types?","section":"Use-Case-Specific Features and Capabilities","section_id":"use-case-specific-features-and-capabilities"},{"claims":["claim-002","claim-003","claim-004"],"entities":["myFICO"],"id":"question-008","question":"How does myFICO's bureau coverage and update frequency vary by plan?","section":"Use-Case-Specific Features and Capabilities","section_id":"use-case-specific-features-and-capabilities"},{"claims":["claim-002","claim-003","claim-004"],"entities":["myFICO"],"id":"question-009","question":"What are the reported monthly costs for each myFICO plan?","section":"Pricing, Fees, Contracts, and Ongoing Costs","section_id":"pricing-fees-contracts-and-ongoing-costs"},{"claims":["claim-002","claim-003","claim-004"],"entities":["myFICO"],"id":"question-010","question":"What cancellation and refund terms apply to myFICO subscriptions?","section":"Pricing, Fees, Contracts, and Ongoing Costs","section_id":"pricing-fees-contracts-and-ongoing-costs"},{"claims":["claim-002","claim-003","claim-004"],"entities":["myFICO"],"id":"question-011","question":"When should a buyer choose a free service instead of myFICO?","section":"When Another Option May Be Better","section_id":"when-another-option-may-be-better"},{"claims":["claim-002","claim-003","claim-004"],"entities":["myFICO"],"id":"question-012","question":"When should a buyer verify a lender's score directly rather than relying on myFICO?","section":"When Another Option May Be Better","section_id":"when-another-option-may-be-better"}],"ranking":{"candidates_evaluated":17,"qualified_finalists":10,"ranking_unit":"Credit score service and subscription plan"},"schema_version":4,"summary":"myFICO is a strong fit for consumers who want to see the FICO scores and scoring models lenders actually use, rather than generic educational scores or VantageScore estimates. All 7 AI platforms that evaluated this use case rated myFICO as a \"strong\" fit, and all 7 named it during the ranking stage. The strongest reason to consider myFICO is that it is the consumer-facing division of Fair Isaac Corporation (the creator of FICO) and provides direct access to multiple authentic FICO score versions across all three major credit bureaus, including industry-specific models for mortgages, auto…","target_buyer":"Consumers who want broad access to credit scores and scoring models that are relevant to lending decisions across different bureaus and loan types","topic":{"base_category":"Credit monitoring & scores","category_criteria":["Breadth of lender-relevant score models","FICO access","bureau coverage","model and version transparency","update frequency","credit report access","pricing"],"geography":"United States","slug":"best-credit-score-services-for-seeing-the-scores-lenders-use","title":"Best Credit Score Services for Seeing the Scores Lenders Use","use_case":"Lender-Relevant Credit Score Access"}}