CRA's scoring model

[ngerasimatos]

I am assuming that all CRA's using the FICO scoring model give the same weight and points system to accounts.

So why would 3 credit reports, all reporting the SAME EXACT information have 3 different scores?

[llecs]

....because the three FICO formulas are each different formulas.

[ngerasimatos]

It ahs always beene xplained to me that FICO, is FICO. Its a standardized scoring system.

[Anonymous]

While they may all be Fico scores that does not mean that they are each using the same version of fico. If they all had the exact same score why would a company chose one over the other?