Credit score shenanigans
The Consumer Financial Protection Bureau (according to a http://www.bloomberg.com/news/2012-09-25/consumers-given-different-credit-scores-than-lenders-cfpb-says.html 
report by Bloomberg News) has found that in about one case out of 5, your credit score that one of the credit rating agencies tells you is not the same as the score they tell a lender you have.
The story does not say whether the scores given to creditors are usually lower than the same person’s score given to a lender, but the implication is that that is the case:
Specifically, the bureau found that one in five consumers would likely receive a ‘meaningfully different’ score than their lender, potentially resulting in harm to those consumers. At the same time, consumers are unlikely to know about the discrepancy
The story continues:
‘Consumers who have reviewed their own score may expect a certain price from a lender, may waste time and effort applying for loans they are not qualified for, or may accept offers that are worse than they could get,’ according to the study.
Of course, if you come to Kamaaina Loan, we won’t ask your credit score, and you’ll qualify for a pawn loan on exactly the same basis as everybody else, whether you are a zillionaire hocking a gold Rolex or a construction worker between jobs raising gas money on his (temporarily unneeded) air compressor.