Freecreditreport.com is it legit?

Signed up today and it said get your Fico score and experien for $1. I signed up and got my "fico" score. But then I paid another $40 for all three scores. They went up since I've paid down debt but I'm still concerned that the Fico isn't really the "Fico?" I want to eventually refinance my mortgage as its at 6.875%! I think that's too high but our credit wasn't up to par at the time. My scores now range from 665-693. But i don't wanna go through the "refinance" process if those scores aren't really accurate and I'll be pretty PO'd that I spent $40 on that and don't have an accurate Fico score!

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