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The report gives your overall repayment history, while the FICO is the Fair Isaac number set up for creditors to check a minimum number to qualify for loans. There are many companies that give you the opportunity to sign up for services that will allow access to this number. For those that have applied for loans through a banking institution, many will give you the actual FICO if you ask them. There are some specialty companies that will pull your free report for you.
They do this to offer other services, such as protection or locking of your information. credit report free credit score
One nice trick is to spread out when you pull your information.
By doing one agency per quarter, you can keep track in a more thorough way, guarding against any issues. Generally the info is the same, but at times you can detect something early, and work to remove against all three.