Why are my credit scores so different. My Experian score puts me in the 'good' bracket (only 'excellent' is better) but Equifax has me rated 'poor' their worst rating. I finished an IVA last December and understand my credit rating will have suffered but why the massive gulf. I want a car loan but I'm worried about the negative effect on my rating should I be refused. Money is not an issue any more. I'm in the best financial position of my life with literally hundreds of pounds a month spare. I just want to spend a little of it on a car.

Do lenders use both agencies or one or the other. If the latter, can anyone recommend a lender who used Experian? Thanks.

If you are in the "Best Financial Position Ever" and can save that much per month, combined with the lessons you learnt throughout the IVA, can I suggest you wait and buy the a car outright with the money you have saved and then..... next month you will STILL have hundreds of puounds spare each month!!!!

Most car dealers will be able to tell answer your question about lenders for car finance. If you want to go that way then be up front with them. (They will want the sale) Warning!!!! If you are rejected with the first finance company the car sales man will keep on asking other lenders until you might get a yes! Keep in mind that if you have any more than 3 prints on your credit score then your score will go down dramaticaly. Then finance will not be an option for at least 6 - 12 months until the checks are wiped from your details.