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the three credit companies use their own formula's to figure your score ... but It is wise to check all three because one said I had a certain amount of debt on it and when I checked the other there was a discrepancy and there was more charges... if you go by one only and try to get something in credit it might bite you in the ass you may think your score is like 715 and when you get to a car dealer and they use another it might be 595 and your intrest will be higher... just food for thought I went through it
p.s. to give you an idea i an so far behind that if I did a contest to wither catch up with you in posts if you just stop posting and me clearing my credit.. it would be a tie LOL
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