I stopped by one of my banks branches the other day to check on the rates for a personal loan. I knew the interest rates on a personal loan was directly related to your credit score. The loan officer told me up front the same thing, and asked me how much money I needed. I told them $3,000. They then told me 3 thousand and under was a flat 17%. I said OK, what about $3,100? They said that amount would work. They asked some questions, pulled my records, and said that they would pull my Equifax credit report, and my interest rate on the loan would be directly related to the score. I said OK, knowing I had a good score. I had signed up with Credit Karma a couple of years ago and keep up with my scores pretty regular, a couple of my credit cards also give me my FICO scores on my statements each month. Anyway.. The loan officer told me my Equifax score came back 765, and my interest rate would be 8 1/4%. I said OK, didn't think much about it. That's pretty cheap for a short term loan, putting up no collateral. The next day I get a notification from Credit Karma saying my bank had checked my Equifax credit report on that date, and it had dropped my Equifax score by 5 points. So I went to Credit Karma to check, sure enough my score had dropped by 5 points.. down to "775" it was 780. Now did my bank fudge my score to put me in a higher interest bracket??