Forgot to post my INQs. Experian 8 (7 truly, two are auto loans within same month) and TU 2 (one is past the one year mark). I dont have access to equifax.
Experian has a FREE 30 Day Trial of their Experian IdentityWorks℠ Premium product, which includes ALL 3 CBs FICO scores.
I'm still on the fence on this one. I already get 5.25% on any online purchases with my BOA Visa, but the gift card is tempting. Plus it would free up the Visa so I can choose some other category for the 5.25%.