<prompt> Human: I know I can get the full report for free, but my actual score is still something companies can charge for. Id like to know the number before I start mortgage shopping, but I dont want to get ripped off. Does anyone know a way to do that on the cheap?  <response>: its free and gives ya a very close to your real Fico score , other wise , apply for a loan and ask em what is when they pull your credit. 