Major companies along with some smaller companies are using credit reporting companies to report your payment history. These reporting companies use multiple mathematical algorithms to calculate credit score for each industry.  Retailers, auto companies, Insurance companies and mortgage companies require different types of credit scores.  This is the reason for the wide range of scores. 

Below are the name and address of the credit reporting companies:

TransUnion                       Experian                          Equifax

PO Box 1000                     PO Box 2002                   PO Box 740241 

Chester, PA 19016             Allen, TX 75013               Atlanta, GA 30374