Originally Posted by
Flaneurs
Maybe now would be the perfect time to request your free annual credit report from the three agencies. You might want to try just one first so that if it helps, you would still be able to pull the others later.
Correct me if I'm wrong (it does happen on rare occasions!

), but your free annual credit report
doesn't come with a FICO score. You have to ask for that separately, and it isn't necessarily free.