It is hard to get a true FICO score without paying. myfico used to give a free month, but you have to pay after that. The FAKO scores that all of the other websites give you are pretty much useless. Between True Credit and Credit Secure I see a over 100 point variance on my Experian FAKO.

Your bank also might tell you what your score is after you apply. Mine did when they pulled my TU report for a HELOC. It was a little lower than the FAKO Credit Secure told me, but higher than True Credit.