I just pulled the FICO score for all 3. My score ranges from 590-650.
It's not fair, here are the things it tells me are "my negatives":
1. Accounts not held for long enough
I'm bloody 21! How the hell am I supposed to hold an account anywhere near "the average of 15 years"?!?!? I'm happy I have a credit card with 6 years on it!
2. 2 late payments.
The only late payments IN MY LIFE were during a summer I spent working abroad and 3 years ago. It was a little difficult to mail a check in from Bolivia. And I still got the payment in fewer than 30 days.
3. High percentage of revolving credit
Sigh. This is true. My 70% credit used is nowhere near the 30% they recommend. I'll have to take out a small family loan to pull this down. Hopefully it'll do wonders for my score.