My understanding is that there are various "credit scores" out there, and if you get one and it isn't the same as the one your mortgage underwriter will use, it doesn't do you much good. As far as "", that's all my wife and I have ever used (we alternate which name we request so we can get pull it more often if needed -- everything we have is joint so it all shows up). The only problem is you have to set up accounts at the credit bureaus and if you forget your id / pass it is a pain trying access next time.

scott s.