Actually man, if your only cards are the ones that are maxed, you will find it difficult to get a great BT card, as you will have utilized 100ish% of your revolving available credit. Your score is likely suffering.
As to finding out your score, the score given at freecreditreport.com and almost any other site is what is called a "FAKO". If you want your true fico score that the lender sees, go to
MyFico.com
At the site below there are discount codes for purchasing the scores.
Check out
Creditboards
tons of great credit info there.