I've been rebuilding my credit after a loan modification and I was dreading the credit app process at the dealership. Thanks to research here and elsewhere I learned that Nissan/Infiniti and BMW rely mostly on Equifax. I was pleasantly surprised that the score they pulled, 695, was higher than what myFico was telling me, 674. Infiniti and BMW approved me right away at the lowest rates. Honda/Acura, which relies on Experian, had my score 30+ points lower than the Experian 629 myFico was telling me. They offered me a higher rate and they weren't all that pleasant about it so I went with the Infiniti. Basically Honda/Acura pulled a score of 589 from EX (which made me a pariah to them) and Infiniti and BMW pulled a score over 100 points higher (which made me a good prospect to them). Thanks to all for the information here about who pulls what. By paying down balances I've gotten my scores up by about 75 points in just a few months.
