With all the CC companies now offering some level of "free" FICO scores my score bounces up and down like a yoyo. My paid for Amex Credit Secure seems the most reliable and consistent with some changes monthly but not drastic. The scores from Chase or Citi can easily be 50 or more points different. Worse thing is I hust applied for a refi since the rates are so so low - I got an immediate 30 point hit on Credit Secure.....