We are 3 months post BK and we need to buy a car. My husbands FICO's are 545 TU, 590 EXP and 635 EQU. Obviously we would dealers or loan companies to check Equifax for a better rate. Do you know of any sure bets? Also, what about using e-loan, lending tree or capital one auto financing? How do they affect your credit if each offer from muliple companies checks different credit reports. Thank Diane