A lot of you here mention scores from the 3 credit bureaus. I got mine from Trans Union when I ordered credit report. The other two want to be paid for it. How do you folks get your score so frequently? If you use some outside service, doesn't that rack up inquires on your report?
When you request a credit report for you...it's ALWAYS a "SOFT". 3 on one, don't know...don't think it exists with scores. You can always re-finance your house (loan company can show you the #'s) ...or buy a house, if you don't have one...