I was approved at GTE with a 678 for 4.24/ 72 month & 3.99 for autopay. You shouldn't be that far behind.
Starting Score: EQ: 605 (10/21/2012) Trans/Walmart: 641(10/26/2012)
Current Score: EQ: 678 (4/9/13) Trans/Walmart: 693 (5/13/13) EX: 648 (4/10/13) Lender pull