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Buy the premier3 b then you can get an update monthly on your mortgage scores instead of quarterly. That is what I switched to.
http://www.myfico.com/Products/FICO-Premier-3B/
If you have subscription to Experian credit monitoring, it would cost just $4.99 for Mortgage FICO score. But this is just one Bureau score, at least you get an idea/score range for small charge.
My wife was an Accountant and just watched The Big Short...your message made me think about her. This drives her insane too. Lol