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Hi Luckymama,

I was waiting for someone more knowledgeable on FICO's to respond, until then I will respond with the best I can. You can get all three credit reports free at

http://www.anualcreditreport.com/

What some people will do is get one report every 4 months from different CRA's so in a since you can watch them over the year for free. It will probably take at least a month or so for the chase closer to show up so you may want to wait a while or get one report now and another one 3-4 months from now. I do not monitor scores. But I believe www.myfico.com is fairly cheap, but other posters my have better input. I get plenty of 0% offers and have no negatives on reports so I figure my scores are fine, although I do like to look at my reports every quarter.

~
Roy
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