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This was back in December '09.
The score was :
Fico 610, Experian 609, Equifax 610, Transunion 637 (FICO), one derogatory, one judgment, one nearly finished auto lease with BMWFS.
Applied for $30 to $50k car loan, got denied by these banks:
SANTANDER consumer- DENIED- one of these reports pulled, Equifax, Experian, Transunion, LexisNexis.
WACHOVIA dealer services- DENIED- report pulled, Transunion.
CarMax CityFinancial Auto Credit Inc,.- DENIED- report pulled, Experian NCAC.
BMW Financial Services- DENIED- report pulled, Experian.
Reasons (all combined) for denial:
Insufficient Credit References
History of Delinquent Credit Obligations
Length of Time Accounts have been Established
Proportion of Balance to Credit Limits on Revolving Accounts
Number of non-delinquent Revolving Accounts
Too Many Recent Inquiries on Credit Bureau Report
Insufficient Total Credit Limits
Insufficient Available Credit
Limited Credit Experience
Age of Delinquent Past or Present Credit Experience
Age of Oldest Installment Trade is Too Short
Too Many Derogatory Accounts or Public Records
.... None of those banks checked Equifax report.