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I paid for Suze Orman's FICO Kit and received three different scores ranging from
675 down to 657..
Which score will my bank use when I apply for an auto loan?
Welcome to the forums! You might check out Tuscani's Credit Scoring 101
http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=29793
Three major credit bureaus = 3 scores (Can be different depending what is on each report. Some companies on report to one or two bureaus, some to all three.
As far as auto loan---depends on who they pull. You can ask them before they pull, though.