When a creditor pulls your credit, do they see the Fico score or do they see the score that the bureau has? I have a 618 Equifax FICO score but on Equifax site I have a 580 score.

I plan to purchase a vehicle soon but want my scores in the 600's before I proceed. Also I had chapter 7 bankruptcy that discharged in June '12.

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Starting Score: EQ 517 TU 514 EX 517 (5/15/2012)
Current Score: EQ 618 TU 580 EX 608 11/15/12)
Goal Score: 700

What's in my wallet: CO Platinum 1000 CO AU 500 CO Rewards 500 FP 700 Credit Union Secured 500