Credit Agency confusion - long

Credo_2

Kinda rant/question/vent type post!
I have a credit monitoring/alerting service through LLOYDSTSB (IDAWARE) which is a product from Callcredit. Previously I subscribed to CreditExpert (Experian). On accessing my score with IDAWARE I noticed it was much lower than it had been with Credit Expert (758 vs 533) - the information was exactly the same (accounts/balances etc). I suspected this was down to the differing scoring ranges
However it did set me thinking and so I subscribed to Checkmyfile.com which offers all 3 agency monitoring/score reporting service (CallCredit, Experian, Equifax). The scoring reported via this service for each agency was as follows:
Callcredit scores (ratings)- 955 (excellent)
Experian- 703(average)/
Equifax- 865(Good)
Again all the information between the agencies is consistent.. I then requested reports/scoring from Experian/Equifax directly and got the following scores. Equifax-502(excellent)/ Experian 312(v poor).
This time the only difference in reports was that Experian had 2 searches on the same day when I was getting a quote for my wife’s new car (these should have been info only and I am taking this up with the garage).
Excluding the numbers and just looking at the ratings between agencies either directly or from monitoring services how can there be such massive discrepancies. Is it really the situation that your credit worthiness is determined by who a provider uses to score/reference you?!?!

Enfieldian

The scores mean nothing at all. Finding them out is just a way to get you to part with money.

Lenders all have their own scoring criteria.