an EXCELLENT resource for credit questions: http://www.creditinfocenter.com/
They have forums as well with very knowledgeable people that answer people's questions
also, you can get all three reports in one and the FAKO scores from Walmart financial services-- the package they have with True Credit for $11 and change per month. Ive tried many different monitoring services and this one is the cheapest by far for all three bureaushttps://www.truecredit.com/orderOrigination?op=Scores:Right&product=CreditMonitoring&cb=WalMart
myfico.com is still the place to go for real Fico scores but it'll cost you about 45$ for all three bureaus.