Why do my credit scores vary between the three bureaus?

Credit scores between the credit bureaus can vary by as much as 100 points or more. This is because not all creditors report all of your credit to all three credit bureaus, and since the credit bureaus are competitors they DO NOT share data with one another. This explains why the scores vary as each line item affects the score either up or down. It's important to make sure that all credit bureaus are reporting your "good credit."