Each credit bureau has its own formula and, since all creditors do not subscribe to all bureaus, each bureau has a unique collection of data as a starting point.

Then there is the fact that each bureau has multiple formulas. Which formula is used when a creditor request comes in? It’s what the creditor wants. A score that predicts a good credit card customer doesn’t necessarily predict a good car loan customer or a good mortgage customer. That’s why there are multiple formulas around. And then some places, like American Express and the major retailer that I used to work for just buy the raw data and use their own internal scoring system.

I know this isn’t the answer you wanted, but this really is the way t works. Sorry.