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.

Start by doing a credit checkup — you can monitor your credit yourself by requesting a free report once a year from each of the credit bureaus through www.annualcreditreport.com but the free report won’t include your credit score, you’ll pay about $8 to get the credit bureau’s proprietary number.