BIG 3: Why the difference in scores?

[Bankermeister]

I pulled my CRA FICO Scores off the MyFICO website and reviewed all.  No significant/major discrepancies between the three other than the scores.  Any reason why?  Does one CRA weigh categories/listings differently?  Equifax 682; TransUnion 660; Experian 621. 

[guiness56]

Your reports can be exactly identical and all 3 scores will be different.  Each CRA has different criteria for a score.  Also, each CRA on this site is a different model/version than.

EQ is a Beacon 5 which is used by most lenders/creditors.  TU is TU98 which is used by some but not many and EX is a newer version of FICO, 08 model which is used just not widely.