Something very important I would like to share with you all. FYI, I am a previous car dealer. Car dealers do NOT look for the lowest score; they do their best to find your highest credit score, so you can "qualify" for the lowest rate. Part of the reason is so they can pay the lowest possible "buy rate" on the interest, and still charge you the highest percentage in which they can legally get from you. In my state, it's 3 points, meaning, if you qualify for 4%, they can legally charge you up to 7%. It doesn't really help the dealership to use your lowest score and pay more for a higher buy rate...just FYI.