I signed up with the CreditXpert score monitoring last year through E-loan.com. They send me my score each month, and give brief tips about what I can do to improve my score. It also shows brief excerpts from my report, about who is trying to collect. I was curious about their scoring system, in which it claims they are not associated with FICO. The score they show sounds comparible to what my Exp, EQ, and TU scores should be...and they do seem to reflect accurate increases based on the positive measures I am taking to repair my credit.... However...I would like to know from anyone that has used their scoring system or services, how comparable their score is to the 3 major bureaus?