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The best place to obtain a true score is myfico.com
You will pay for it, but it's the one that is used by those who are granting credit to check your scores. Pay for it and you'll see what they see.
I recently bought a car and went into the dealer armed with my (excellent) score. I knew ahead of time I would qualify for those ridiculous zero rates, and it made me feel good about what I could afford.
Seeing your credit report is important too, because you could be surprised by some off the wall "ding" that doesn't belong there. You can immediately challenge it.
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