I refinanced my car today at the local credit union. I had both Equifax Score Power and Experion CreditExpert reports and scores with me.
In my original talks with the credit union I could get an 8% loan with a score of 640 or better.
I waited months and monitored both Experion and Equifax until today when Equifax was 652 and Experion was 661.
Today the credit union says my Equifax (Beacon) is 620 and my Experion is 602!
The loan officer was dumbfounded that the bureaus would put this incorrect info out to consumers. Especially since I've waited for my scores to go above 640 and in reality they weren't.
She also spent quite a bit of time going over the online credit reports and her version and couldn't find any difference at all.
Anyway, I did refinance at 13% which is better than 18%.
Anybody have any ideas of how we can correct this kind of crap?