I pulled my Equifax score this morning and saw that my Beacon score was 763. I immediately ran down to my Credit Union and applied for an auto loan that I was waiting till July to apply for. They cut me a check then and there and told me I had 60 days to use it. If I needed more time come in and they will reprint another check without pulling another inquiry. I also, applied for the Platnium Visa. I have to wait 2 to 3 days before they will let me know on this one. I tell you the rates when I find out. I tempted to blow one more inquiry, any suggestions?