Answer: -Each agency uses a different formula probably - they should all be within 15 points of each other. It may depend on timing of when your score was calculated with each agency - probably not all done on same day - they may not ALL have the exact same info available about you and your accounts -I have seen significant differences between my credit scores from each credit reporting agency. It depends on their interpretation of the formula as well as how they report. -your score can vary greatly from one reporting agency to another that's what is not fair about it most lenders use mid score when evaluating your credit risk which is not fair either but until they change system that's the way it is -Great question in which I have no answer for !!! In myOpinion all three Credit Bureaus should follow the sameformat, they should all say exactly the same, in the same order, they also don't take into consideration the WHY,they also make mistake by reporting inaccurately, nordo they always properly validate what is placed on ourreports. I think Fair Isaac should also have a free reportonce a year on how they determined your score for yourspecific report.