KeyBank obtains your FICO Score from Equifax, a major credit bureau. If you feel your FICO Score is inaccurate, please directly contact Equifax Disputes. Because your FICO Score is based on the information in your credit report, it is important to make sure that the credit report information is accurate. You may get a free copy of your credit report, which does not include your FICO Score, from each of the three major consumer reporting agencies annually at annualcreditreport.com.