I have obtained my credit report from both experian and equifax together with their own scores.

The equifax was in the good category and experian in the poor category.....the only differences between the two were:

1. experian had more recent searches

2. experian does no have me down on the elelctoral roll - but experian does and they are both exactly the same address!

3. Neither have all my current credit accounts, both only have credit cards and no loans?

4. I have a CIFA entry on my experian report in someone else's name for a current account at Lloyds - what does this mean? It was very recently.

My experian score back in April was in the good category so not sure why it is not so bad?