Ya know how your credit card company now gives you your FICO credit score for free each month? And what about all those online companies peddling "free" credit scores? (They are sometimes free, sometimes not, and the companies are usually trying to sell you something else.) This article by Kenneth Harney explains that the credit score from these services is often inaccurate. By inaccurate, I mean not the score that potential lenders use in evaluating your credit worthiness for, for instance, a mortgage -- and that's only credit score that really matters. Harney explains the problem and what consumers can do about it.