There is no "official" website for consumers to get their credit scores at. You will find various websites like freecreditreport.com, annualcreditreport.com, etc. that will sell you a credit score. But none of them are the "official" credit score that all creditors will use. The reason why? Is that because each type of creditor (credit card, car loan, mortgage loan) uses a distinct credit scoring system that gives more or less weight to the various items on your credit report. For example a car loan creditor will give more weight to your past car payment history than they will give to credit card payment history.
Mortgage lenders use FICO scores - as a consumer, other than from a mortgage loan officer, you can only get your FICO score from Equifax & TransUnion from http://www.myfico.com
as Experian no longer allows consumers to get their actual FICO score. If you are at a website where you can get all 3 scores (such as frecreditscore.com), you can be pretty certain that they are not FICO scores but a newer scoring system called Vantage credit scores. Vantage credit scores use a lot of the same information to calculate your score, but it gives different "weight" to different parts of your credit profile, so the credit scores are not the same as your FICO scores. I am not sure why Experian no longer allows consumers to get their FICO score from them, I could only speculate that because consumers are not their clients, creditors are, so that may have played into their decision to prevent consumers from getting it. Whatever the reason, at least you can still get your Equifax & TransUnion FICO scores from that website.
Since you are in Pennsylvania though, there is a way you can get your Experian FICO score. You can get it through PSECU's "FICO Score Service" which they describe at http://www.psecu.com/fico/.
The catch is to become a member, either your employer, association or school needs to be connected, or someone in your family (relative) or living with you can become a member too - and you need to reside in Pennsylvania. None of those apply to me, however I have found if you pay $40 to http://prps.org/
for the "Associate Membership", that association is set up with PSECU, which you can check at http://www.psecu.com/apply/?elig=1
Plus you help out the Pennsylvania Recreation & Parks Society, and everyone likes recreation & parks.
Hope you've found this information helpful.
Shane Milne | Lending in all 50 states | NMLS #81195