My Credit Sesame sore last month was 804. This month, it is 791. Two lenders pulled my credit for mortgage refi's and my Experian score was 788 a week ago. I expected that my Credit Sesame (Experian) score is pretty close since I had two extra inquiries last month.

Since we normally can't get Experian FICO's as a consumer, that is the main reason I go with Credit Sesame. And it is free. Credit Sesame is close enough in accuracy. Since there are so many flavors of FICO's (mortgage enhanced, auto enhanced, credit card enhanced, etc), I consider Credit Sesame close enough.

My Credit Karma is low compared to real FICO's. Maybe 20-30 pts low. Still, I factor that in when I pull Credit Karma. And that is free too.