@Anonymous wrote:Thought I had good credit - never late on mtg or credit card for 7+ yrs - but CreditKarma shows score of 666. Where can I get a copy of all three reports + individual FICO scores + combined FICO score like the lenders get? (I'll pay for it). Does this Suzie Orman product give me all of that?
Welcome to the forums!
First off, ignore the scores and advice from CreditKarma since they aren't FICO-related. Good news is your score isn't likely 666. It can easily be much lower or much higher.
The copy you are referring to is a tri-merge report. Unfortunately, the only way you can get a copy of that report is via a lender at the cost of 3 inquiries. Per the reports, I recommend pulling them via annualcreditreport.com. Don't purchase any scores through there, but these reports show so much more detail and information, and generally is more helpful with regards to info than any lender's tri-merge report. Plus it's free too.
For the FICO scores, there is no product anywhere that a consumer can purchase to get all 3 FICO scores together. As of a couple of years ago, Experian blocked consumer access to your own EX FICO score. As a result, you can't buy it from anywhere, though you can still get it if a lender pulls an inquiry for your report. There are also still a couple credit unions out there that provide an EX FICO score as part of a service or benefit. For your EQ FICO, you can get it from here. It is highly likely that the one from here will match any mortgage lender's score if pulled the same day. You can also get it from a couple of hidden links within Equifax.com and there are some banks and CUs that offer your EQ FICO at a reduced for free benefit. Finally, you can buy your TU FICO from here, but it may not match your mortgage lender's TU FICO because their version will likely be newer. There are also a couple of banks and CUs out there that offer your TU FICO at a reduced or free benefit. It would be great to get all 3 reports and scores together, but that's no longer possible without the help of a lender and inquiries. 
The Suze product is basically a prepaid, reduced-priced plan that offers you 3 FICO reports of your choice, between EQ and/or TU.
In short, you can't unless you apply for a mortgage. You can get your Equifax FICO score from this site. That will be the same score that most lenders will use.
You can get your TU FICO score from this site. That will be what is known as TU98. It is an earlier version of the FICO scoring model for TU. Some lenders still use it, but they are increasingly using a newer version, TU04. You can't purchase TU04 anywhere. Walmart has a credit card that offers you a free monthly TU FICO score, but it is not known which version they are offering (we do know it is not TU98, it may be TU04 (it's also possible someone knows now, but last I checked they did not)). I've seen a few different reports of TU98 and TU04 scores differing by up to 60 points.
You can't get your Experian FICO score at all unless you are eligible to join PSECU, a Pennsylvania credit union (or you get it from a lender). PSECU used to be open to anyone by donating to one of their parks or something like that, but so many people joined for the FICO score that they changed their membership guidelines. I think you have to be a PA resident now, but you can check the eligibility requirements on their site.
Some credit cards will give you your FICO scores now as well if you apply and are not approved for the best rates. For example, some people just reported that Amex was giving them their EX FICO scores after they applied. But this seems to be a little hit and miss.
Starting Score: ~500 (12/01/2008)
Try getting your balance paid down on your first card. 80% ulti. is high. If you pay off your balance or at least bring it within the 10% range or so, you're more likely to get approved for a better credit card with a more reasonable APR and other terms. You can still try to apply for another card with your 80% ulti., but consider that you're likely to have a hard pull on your credit if you do that. Use the FICO score simulator to see how your FICO might go up or down if that be the case. Much success to you!
@MissExcellentCredit wrote:Try getting your balance paid down on your first card. 80% ulti. is high. If you pay off your balance or at least bring it within the 10% range or so, you're more likely to get approved for a better credit card with a more reasonable APR and other terms. You can still try to apply for another card with your 80% ulti., but consider that you're likely to have a hard pull on your credit if you do that. Use the FICO score simulator to see how your FICO might go up or down if that be the case. Much success to you!
+1
You can google "free fico score simulator" to get a range of your FICO score. There is also a mobile phone app for this aswell. You can also plug in your 80% uti as well as get an estimation as to what your score could be with a 0-9% util report. What negative factors does Credit Karma give you? Don't give Ms. Orman all your money yet... 
I personally of the opinion that Suze Orman rocks, and she has some really great discounts and free stuff on her website. Don't worry - you won't be giving her all your money.