Quick Fako and Fico Score most of you can probably answer...

So I pulled Equifax...or at least thought I did and subscribed to their monthly monitoring with score and all for I think $13 a month. Score spit out something around 560. I was blown away because earlier this year I had a 640.
Anyway I also subscribe to experian for $10 a month. While checking my EQ I saw that it said something along the lines of 'this is not what lenders see' .....is the score I've been getting from Equifax a FAKO? For the past half hour I've been reading all over trying to confirm. The Experian literally days FICO on it, despite it being through the EX site, but I read on the sticky that you used to not be able to buy EX here, so maybe the one I have is legit? Could anyone just confirm for me so I can spend my money to find my 'real' Equifax?
I'm refinancing my car soon and my loan officer wants me to 'just make sure by EQUIFAX is high'

Just did CCT. Thanks. I'll be cancelling the 'educationL' equifax now. I'll have to email the loan officer and ask if the refi pull is going to be auto enhanced or not, she seemed to just state Equifax but I'll follow up w her, I'm sure she'll know. CCT spit ou EX661/TU638/EQ617. Which jives way more with what I expected than the current 576 EQ's fako spit out. I'd been freaking out quite a bit about how long it would take to get it up 104 pts. 63 though? Far more manageable. 

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