In addition to what Clocker mentioned you'd need to look at each of the major credit bureaus if you're interested in something like a mortgage or something that's going to take a decent look into your credit history. When I went to get pre-approved a couple months back I knew my FICO score was mid 800's but they said they have to go by the lowest reported from the three major bureaus. I've seen my number fluctuate but it's also unclear why given I've not opened any new lines of credit or had any issues with missed payments. I knew it would drop a bit once I did the pre-approval due to the credit inquiries being made. Also as Clocker said anything about 800 makes no real difference in terms of special rates that I've seen.