Need to refinance Auto with Experian

[Anonymous]

So I just purchased new car Dec 2014 they used equifax 584 was financed with Lexus Fin. at 12%. I recently checked my credit this week Experian 719, Eqifax 599, Transunion 673. Not sure why the big diffrence in them all but would really like to get a much lower payment. Any recommendations would be greatly appricated, preferably using Experian. thanks

[Anonymous]

Until someone else chimes in about some bureaus that pull experian, I would call around and ask. They should be able to tell you instantly. My CU Fairwinds pulls Eq. Obviously the one you just used pulls EQ. I'd call the banks around and ask.
In the meantime I would find the difference between your reports. May be inquiries or something isnt reporting correctly, or something is reporting to Equifax that isn't being reported to the others.

[Anonymous]

You need to determine where you want to get your refinancing from. Lendingtree https://www.lendingtree.com/auto-loans-index is a great source to help you. Your local credit union is also good. If you're with a credit union call them to find out who they pull. if you're not with one, sign up for their nominal required deposit and then refinance. Call the cu you're interested in joining and explain you want to join and refinance your car, and what to know who they pull. They will walk you through the process.

A credit union is your best bet. Or if you're with Creditkarma.com or Creditsesame.comthey also have different offers that match your credit scores.