Hi, Ok so I go to eloan.com today to request a free score. This is what I get: Based on your credit report data, your CreditXpert Credit Scoreâ?¢ is 697 My confusion is this: TU: 732 Equifax: 617 Experian: 645 I thought eloan was equifax meaning why in the hell is my score 80 pts higher with them????? Also, I am thinking of refi'in my car loan. Currently I owe 13,400 at 9.9%. They show different rates. With my score above, am I excellent, good, fair or poor? If I could refi to 6-7% is it worth doing? The calculators always seem to show that doing it actually will cost me more for the same term i am in now! Thanks a lot for any help! Allen
