Jam, There seems to be more here than meets the eye. I'm sure that most auto dealers F&I use some sort of DMS management such as dealertrack that pulls from all three bureaus. F&I would definitely use the bureau with the highest score. Also too scores in the 700s doesn't necessarily mean a great rate. Other factors include debt to income, length of revolving and installment credit history, income, residential and job history. This article is definitely one sided.