Wells Fargo in 2015 should become one of the major credit card issuer to provide Free FICO Credit Scores to customers every month. Bank of America and Chase Bank have said that they’re considering doing the same — giving free credit scores to customers.

Credit card perks can be very useful and with one or two good cards — you could be enjoying free airline flights, free hotels stays and more.

FICO isn’t the only number used to determine your credit risk — the score that counts is the one your lender uses. There is no single credit score number — the compilers of the widely accepted FICO Credit Score allow lenders to customize their system, so different lenders produce different scores.

This has become less “strange” in recent years, but closing your credit cards can hurt your score.

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