Much of that depends on where you are located geographically, particularly with car loans. Here in the midwest, TU is the most widely used... I've had only one dealer pull an Equifax report, and none have used Experian. I completely understand what you're going through, as my TU is also the lowest score (creditors seem to KNOW which CRA'S to use to post... I had one Collection Agency that posted one negative on Experian and Equifax, but 3 on TU).