Are you in search of a loan? This is a good place to get your true FICO score for Equifax and Transunion. You most likely are in good standing and have a decent score but it is always good knowing for yourself what you score is prior to talking to a loan officer or applying for credit.
Starting Score: 582
@Anonymous wrote:No, I'm not applying for a loan, sorry I should have said that earlier. So, as long as my credit reports are accurate, are there any benefits to knowing my actual number? I am curious but also am too cheap to pay for it.
Nope, you've pretty well summed it up. 
If you will be in the market for new credit, especially one where your scores can seriously influence your wallet (= mortgage), it makes sense to know your FICO scores ahead of time, in case you need to do any tweaking.
If you're curious and don't mind burning some bucks, it makes sense to find out.
Otherwise, the score isn't very relevant to your life.
Well, knowledge is power and I think it never hurts to know everything there is to know about your own financial profile. Some people report being surprised that their FICO scores are not as high as they imagined and it was because they didn't have a good "credit mix" among open accounts (variety of different trade lines, not just credit cards). For instance, if your score is stuck at 750, that is a very good score, but you could very possibly boost it to 800 by doing a few tweaks (including perhaps adding a different type of TL, and/or by letting 2 of your credit cards report a small amount).
IMO, I would definitely go for the $7 score here on myfico. Then, tweak away.
@ficofox wrote:Well, knowledge is power and I think it never hurts to know everything there is to know about your own financial profile. Some people report being surprised that their FICO scores are not as high as they imagined and it was because they didn't have a good "credit mix" among open accounts (variety of different trade lines, not just credit cards). For instance, if your score is stuck at 750, that is a very good score, but you could very possibly boost it to 800 by doing a few tweaks (including perhaps adding a different type of TL, and/or by letting 2 of your credit cards report a small amount).
IMO, I would definitely go for the $7 score here on myfico. Then, tweak away.
If you know how to get a score here for $7 PLEASE let me in on the secret. 
From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
Ha - you're right. I guess it's $19.95 here (can find coupons for 25% off). I must be thinking of my scorewatch through NFCU at $6.95/mo. Nevermind.
Still worth it at twice the price, I say.