I hope someone can help me out in trying to get myFICO score, as I was planning to apply for a mortgage tomorrow!

I am worried about my scores - so tried to pull myFICO tonight and was denied access because they said I didn't have enough info to have a report! It said I needed at least 2 accounts and not to be listed as dead!

I don't have revolving credit - but have 2 closed mortgages and several paid medical collection accounts on there - I know this from TrueCredit which I subscribe to.

I have had address issues with the CRA's - because I moved to a place with a 1/2 in the address - I had to try to get them to update to show both my physical address and my PO box for mail. This didn't go so well - as only EQ got it right - EX refused to make the changes even though I sent proper documentation - and TU did but has typos in the POB and street address! Grrr! Of course I sent them another letter asking for correction.

Could my address issue be why I couldn't pull the FICO?
What will happen when my lender tries to pull it?
Is there another reason I couldn't pull it? They don't have evening hours at FICO's customer service - so I can't call them tonight.

I am ready to move forward on a home - and am being hindered by the CRA's!

Can anyone help?

I am also wondering how having a lender pull my report will affect my overall scores - especially if I shop several lenders?

Thanks!