First of all, Access Group does not only use Equifax. They base which of the three agencies they use on the first three digits of your zip code. Mine is 919 and they use Experian.Secondly, I pulled a copy of my credit report last night and I have a 705. I applied for a loan at Access Group and was denied for bad credit. I called them today and they said that the report that they got today from Experian is different from the report that I got last night (I promise that between the hours of 10:00 pm and 8:00 am I did not default on any loans). They said that my score was not a 705. They told me to fax them a copy of my report from Experian to clear up matters. Needless to say, I was quite troubled today.