Originally Posted by drbobguy

The information that they list about your balances, age of accounts, etc. is straight off your Experian report, although they don't show you lots of the information that is there (I think credit pulls aren't listed for instance).

The score is using an algorithm based on that info that is separate from the actual FICO score used by most financial institutions. It's supposed to be pretty similar to FICO, although for me it has been off by up to 50 points.