Equifax FICO 647 Applied online with lendingtree.com. Both lenders : UNABLE TO EXTEND OFFER peoplefirst & drivehome GMAC approved at 11% Wachovia says my score was 650 they would finance me at 6%. I have everything negative in dispute and I am sure that is helping to boost my score...interestingly enough, no one has mentioned it. Not sure how to get those 3 measly points, but it would save thousands in interest. Anyone got any ideas for me or know of another bank that pulls EQ that has a minimum score of 640? Thanks.