Citi also recently started giving free credit scores for their creditcard holders. So if you've got a doublecash or costco card you've got it free - both very popular on this forum. Just login to your citicards account online and it's in the top right (you need to click to see it).
Be careful using the Citi FICO score. While it is a real FICO score, but it based on a 900 rather than 850 max (or reasons which I forget). I had to figure that out a few years ago when they started giving me my score and it was 859.
I don't have any Citi cards but I do have a Cap1 QuickSilver...Cap1 offers the score via Credit Wise.
On a side note I can still remember when I had a 508 (yes, 508) 6-7 years back (I feel I've come a lonnnnnng way recently).
Anyways, so here's the thing:
Via Credit Wise (from Cap1), my score today is 729.
Via Credit Karma today, my TU score is 714 and my EQ score is 722 (updates tomorrow).
I have 2 Chase cards (both 10K), 1 Cap1 card (2300), 1 student loan, that's it. No mortgage (I rent) and never had a car payment. At 1% utilization.
Considering a mortgage in a year or two (maybe). Either way, I'd like to get my score up over 740ish or so and not sure how. Currently have 4 hard inquiries via my TU score (got 2 new cards just last year and changed apartments). Will likely have another hard pull soon as I'm moving and will have another apartment pull my credit.