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Good to know, and using a coupon I found on google search, I did use myFICO to pull just my Equifax score today which is 806 vs. their 3 in one 820 number last night. So the true FICO is a little lower, but at least I know I'm in the ballpark. I mainly wanted to check for any credit errors, and did find some. Thanks for feedback
You can get a free copy of your credit report once a year at annualcreditreport.com. Not only is it free, it is also the most complete credit report you can get. Just dont buy the score when you go to this site.