You can check with the Consumer Websites, but those are not going to give you an accurate depiction of a Lender's credit score. The reason is simple. Lenders, Retailers, and Auto Finance Companies all have different Scoring Models. I have people call me and say they bought a car a month ago and were told they had a score in the 700s, yet when I pulled the credit, their scores were in the low 600s. We lenders have to use a model that puts more weight on revolving accounts than installment accounts. So heed my warning, if you want the highest score possible when applying for a mortgage, pay down as many if not all your credit cards to between 10-30% utilization. People make the decision to pay their cards down to $0, but that's not good unless you plan on keeping them at $0 for at least 90 days. You see, not all creditors report every single month if you carry a $0 balance. But they have to report at least quarterly. Most this helps.