I dont know how this slipped my mind. I got my 2000 Galant financed in July 2000, through Fort Bliss Credit Union. And yes they check EQUIFAX. My rate is 8.5% with a 644, so i know that you will get a lower rate. Also, if you carry up to 20K with them; loans, checking, savings, CD's, or anything else, they will lower your rate even more. They have great customer service and are easy to get along with. www.fbfcu.org Reshod