I applied today for an auto refinance with DCU. My equifax score is 100 points lower than my transunion and experian scores. The guy said my equifax score was 674, 1 point from their requirements for top tier rates. However, he asked what my other scores were and I told him. So he put me on hold and pulled my experian score and presto....1.49% financing!!!! I had no idea they pulled anything other than equifax. I thought people would find this information very helpful. Plus they gave me a credit card with a 10, 000 limit 
Starting Score: EQ 564, TU 560