Tweet Equifax vs Experian Hi. I have changed car every 3 years or so for as long as I can remember and have never been refused credit. However, I recently tried to change from my VW Scirocco to a Mazda MX-5 and was declined by Mazda finance based on my Experian score. It was an interest free deal so I imagine the lending criteria was very strict. My Equifax score is 'Excellent' (503). However, I have just looked at Experian for the first time and it is 'Poor' (637). I don't understand how the two can be so different. The Experian one does seem to show more recent searches but other than that everything is the same. I do have a lot of unsecured borrowing but I also have a high income and have always managed this without any defaults or late payments at all. I'm not sure what to do now. My current PCP deal expires this year and I want to change cars as soon as possible. Should I try another lender? A deposit of a couple of thousand would be no problem. Could you help and what would be a ballpark APR (I understand that this is in no way binding)? Is it possible to approach lenders who only use Equifax? Thanks in advance.