My credit score is 810 (which is excellent) from all 3 major credit bureaus. While sitting in the finance office at the car dealership, four finance people came out after reviewing my car loan application with very "concerned looks" on their faces. They also had an official looking paper that said "credit score" on it and it also had the number 580 circled in red. They informe me that they could only get me financed at 10.9% APR,
I then pulled out my own credit score that I had just obtained that day which proved that i really had a much higher score of 810 compared to the dealer's bogus credit score. I then asked why the dealer's result was so different from his Equifax credit report which flashed back up at them.
Not expecting i would know my own credit score, three of the very surprised sales guys scattered knowing they were busted. This dealer is full of snake be carful guys.