Answer: -The scores may be weighted slightly differently depending on the circumstances. For example, if you are applying for a home mortgage, they will want to weigh more heavily your LONG TERM credit history, your stability of residence, etc. For a simple department store credit card, those things won't be as important, and they will weight the history you have on department store or other credit cards more. This will make different numbers come up in each circumstance. As long as there is not a BIG discrepancy in the numbers, you should be fine. -Each creditor uses there own formula to make a lending decision, just as each credit bureau company uses different analysis to come up with your score, they are all three independent or some do a combined score. Based on your numbers you have good credit. Do not worry about your score just make your payments on time and keep your revolving balances low compared to the line limit, and you will be fine to get credit from lenders, that you can afford in the future. -Credit scores are different for different institutions because they use different criteria. Your credit score basically identifies the risk someone is taking by loaning you money. Banks are less likely to take risk than a car company. The online credit score you received was probably for credit card companies. They tend to accept high risk, which is why your score is higher.