Yeah, I read all the way through your question after I posted my earlier reponse. Sorry to have wasted your time telling you what you already know.
I noticed that too, that they don't give you your "score" on the free report.
Personally, I don't care. The score is, I'm sure, reflective of your overall record. Do you know for sure of some cut-off line you need to be above for whatever reason?
I just assume that the score is a single number that tries to distill your overall record. I also assume (perhaps wrongly) that most lenders will take a quick look at your score and then look into the reasons behind it before making a decision. If you have adverse material in your record, for sure they'll see it. Bankruptcy is very bad, of course. Slow pays are not so bad, I think, as long as they're rare and not recent.
They also look for evidence that you're able to accumulate assets.
Obvious, I know.
There are others on this forum that know a lot more than I about almost anything you can name. Perhaps one of them will show up.
I want to make sure I’m at or about 730+ before refinancing.
Can’t tell if I am. reading those are like reading the VIN plate on a car...means nothing if you don’t know the codes and secret handshake.