Your Equifax Score Rating is based on all the information in your credit file, including any credit account information providers by eligible Comprehensive Credit Reporting contributors, and is designed to give an individual the most complete view of all the information we hold.
Some credit providers may not be eligible to receive some, or all your credit account information due to Comprehensive Credit Reporting reciprocity agreements. This will impact the score provided to a particular credit provider.
As scores are generated at the point of enquiry, they can change even in a short period of time as your credit file is updated, including each time a credit provider makes an enquiry.
The nature of a specific enquiry can also impact the score returned. The score returned for a mortgage application may not be the same as that returned for a credit card application, for example.