Equifax and DNB are totally different systems and how they score are totally different.. DNB scores from 1 to 100 with 80 being the average.. Equifax I believe goes up to 900 something so a 650 is not that great. 

You can call Equifax and get a free report I believe since it was used in a credit decision. They also having a monthly plan for $20.. The one for $99 is to pull a report on another company.

You should have a paydex score.. We're you looking at the report though the Iupdate site? Once you have three trades reporting over a three month period you will get a paydex score.

Do you have lates on an of those accounts or owe some one money? If not it may just be a mistake in the report.