I've been lurking for a few weeks, decided to register and post. My credit union pulls CSC (Equifax) and I was approved for $27,500 for an auto loan @ 5.9%. Also, they approved me for a credit card 2K line (all I asked for, maybe I should have gone for more?) 9.9% "great rate" card. Pretty amazing, very glad they happen to pull Equifax. scores: EQ 688 +161 (527 on 10/21/01 TONS of stuff rolled off the past couple of months) EX 629 TU ??? was 519 in January, waiting for confirmation of 4 items deleted 4 items off by dates before I pay for another report/score