Is there a free resource to find my actual credit score, i.e. the score creditors, utility companies and insurance companies are most likely to use?
I think a lot of credit card companies are starting to provide that. I think even one of my mortgage providers offers that service.
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Check out “CreditKarma” it’s free and provides multiple helpful tips etc.
While all the entities you mention may use a FICO score the score may be different for each of those entities and I don’t believe there is a way to get all of the “tailored” FICO scores. Some CCs provide a FICO and you can pay to get it directly from FICO. Credit Karma provides a Vantage score for free and this is likely to be sufficient for your needs. Some credit cards also report Vantage scores.
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Credit karma and credit sesame
Hypothetically, all the “credit score companies” may have access to our SS numbers.