I have been trying for the past 2 days to buy a car. The dealerships are saying that my equifax score is 584, but when I pull my FAKO score it is 634 and my FICO is 602. A local bank pulled my credit and said that it was 599. That's a big discrepency isn't it? Where should I go? I got approved by capital one for a franchise dealership loan at 12.45%, but the car I want is at an independently owned dealership. That rate is still higher than I feel is acceptable. Any help would be appreciated.