I found this forum after I had been declined a CLI from AMEX that said that my FICO score was 620. This was strange to me, because I had been using freecreditreport.com for almost 2 years, and it gave me a much higher score. I decided to research this "FICO" they spoke of. I went on these forums and was horrified by my scores (you can see them in my siggy). But ever since then, I've greatly improved. So, I guess getting declined for the AMEX CLI was a blessing in disguise.
Starting Score (2/15/13): EX (fako) 583// EQ FICO 634// TU FICO 658
Current Score (5/27/14): EX FICO 719// EQ FICO 742// TU FICO 729
Goal Scores: 740 on all.
CSP- 10K, United mileage explorer- 9k, Freedom- 5k, Barclays Arrival+ W.E.- 5k, Nordstrom- 6k, Chase Hyatt- 5k, Discover it- 5k, Slate- 4.5k, Amex Blue Cash- 1k.
2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ