I pulled my credit report (all 3) on 7/5/12.  My scores were 679 (Experien), 633 (Equifax) and 627 (TU).

A few minutes ago I purchased my FICO scores (from this site) and they were 697 (Equifax) and 704 (TU).

Why are the numbers so different?  If only Equifax and TU can give you your real FICO scores, then why don't they do it on your actual credit report?  And, if we were to refinance our car for a lower rate, which would the lender look at?