Wells Fargo has a limited-time offer for customers where they’ll give you a free credit score and free credit report through November 16, 2014. Unfortunately, the score you get is not your real FICO score. It is a made up score calculated with the bank’s own proprietary scoring model.

Credit scores influence nearly all things financial in your life. Banks, credit card companies and others use credit scores in deciding whether to give you a loan, how much money you can borrow and how much interest to charge you. Here’s some advice for improving your credit score:

The Neiman Marcus Credit Card is offered and administered by Capital One. The store offers upscale jewelry, accessories, apparel, beauty, and exquisite home products to affluent customers and the high-end nature of the chains target market is also reflected in the rewards scheme and bonuses attached to the Neiman Marcus credit card.

The Lane Bryant credit card will allow you to save money and earn rewards at one of America’s top plus-size women’s fashion retailers. They are especially known for their plus-size line of sexy lingerie Cacique which offers lacy bras, panties, and other intimates. Lane Bryant has been in existence for over 100 years, opening its first store in 1901. Though it is not a standard credit card — not being affiliated with Visa or MasterCard, there are still benefits to having a Lane Bryant credit card.

You are about to get married, and your Fiance’s FICO Score is 200 points lower than yours. Once you wed, your scores will be combined, and your mate’s low score will pull yours down.