Well in the last two weeks my wife and I have closed on a house with 5.75% and purchased a vehicle. We did not ask the mortgage broker about the credit score, but we did ask the car dealer about it. This really threw me off. On both Experian and Equifax, my wife has 711 and 720 scores respectively. The dealership had 685 and 686. However, on mine just the opposite. They had 707 and 710. Go figure. Now, I know that mortgage companies and car finance companies use different models and different things from your report will mean different things to them. We didn't have to have the dealership pull credit, but since they were going to be holding a $40,000 check overnight, the said they had to. Normally, I would have said no, because of the inquiry, but we don't plan on using any other credit for quite awhile. We are both completely out of debt, not even a cc balance right now. Well we both decided to cancel Equifax and Experian credit programs. (By the way, I found out that you can cancel experian right on the web). While talking to Efx they asked why we wanted to cancel, I told them that it was no use to have it if we did not have the same models that lenders get. My wife has never had a late payment, she is showing less debt on her reports than me. I have a judgement that is five years old that is not showing satisfied yet. I have one thing on mine that is giving me an advantage, that is I have financed a car in the past from 2000. It is paid off now, but the report has not shown this either. This program was good for one thing, to know exactly what was on the reports and what EFX says what will improve the score. But the score they show, I have come to believe is useless. In my case. One last thing, I would like to thank this board. It has really made me aware of my rights and aware of my financial well-being. And for that I am grateful.