Otis wrote:What's the best way to find out my credit score for free?
Define "best". Which scoring model? What are you willing to do for a free score? The only free FICO's come with credit cards or other banking products and even then they're just one model based on data from one CRA.
Keep in mind that all creditors do not use the same scoring model. You don't have just one credit score. There are many models used by creditors and, for most models, you have score with each of the 3 major CRA's.
Otis wrote:Should we add a 3rd card to the rotation??? And if so, which card should we go with?
Like the word "best", this is a highly subjective matter. If you want recommendations you need to give us a better idea of what you're looking for from a new card. If rewards are a consideration then we need to know your major spend categories and volumes. Look at where the majority of your spend is going and maximize rewards on that spend.
For scoring purposes you'll want the 3rd card but there are other consideration as well.
Tubpbs wrote:Don't you only get the three reports for that fee? Or you get monthly fico scores?
Info is on the site:http://www.myfico.com/Products/Products.aspx