[quote=patientrenter]Well, my personal situation is a bit different, davelj, so maybe I should explain.

I have never borrowed, and I have never looked up my credit score, so I don’t know what it is. But I am aware that, since I don’t pay any attention to it, it might be low. (If FedEx screws up a billing, I politely let them know. If they screw it up twice, I just don’t pay. I don’t have time to waste.) [/quote]

Patientrenter, no I do not work for them, but you can get a free FICO score through https://www.myfico.com/Default.aspx. (Click on the start free trial button) Just remember to cancel it right after you get the score or or before the first 30 days. Otherwise they will charge $89 to monitor your credit report for 1 year. This is the real true credit score. There are 3 credit bureaus and they each have a score, but FICO is the real true credit score.