On April 29, I signed with E-Loan so I could get my free credit score. I couldn't pull it up that evening but the following morning there it was...645. A few days later my wife and I applied for a mortgage. Our broker pulled up the 3 bureau report and my scores were as follows: Equifax/Beacon.....613 TU/Emprica...........648 Experian/Fico........575 Additionally, I picked up a hard inquiry on my Experian report from Midwest Mortgage. I found this amusing because I always thought that my Experian was my best report and my TU report my worst. Oh well... Manny