Consumer advocate Clark Howard (clarkhoward.com) has a good roundup on this. Check under ‘Clark’s Greatest Hits’.
found it, thanks
http://www.clarkhoward.com/news/clark-howard/personal-finance-credit/know-your-real-credit-score/nFZr/
still not clear on how /where to find the actual FICO score on the Equifax, Experian and TransUnion reports