Some debts are reported to one company, some to all 3, etc. and if you request a copy of your credit report from all 3 companies, you'll see who has what reported--thus, the different score-- the midlle one is often chosen as it's usually the best average of the 3 combined.
My recommendation is to contact a local lender who can make some suggestions of how to improve your credit score. Most lenders will work with you in repairing your credit and will give you positive information of do's and don'ts. Several lenders I have spoken to have seen decreases in credit limits from major credit companies when a client pays the entire balance off due to past history of deliquent payments. Lenders do not want to see credit cards maxed out. If your credit limit is $5,000 then your balance should be below $2,500. Having revolving credit cards with low balances and you pay them off monthly will help your credit score. I hope this helps you.... more
I would highly recommend contacting a credit councilor. The fee they charge is quite minimal in comparison to the things I have seen them accomplish. Since they work with people every day that are attempting to repair their credit score I know they will have firm answers for you. As well as offer up some ideas on how to continue on a positive path. If for nothing else, to get on their email list will offer you a lot of great advice. One that several of my clients have used and raved about is http://www.creditcoachwisconsin.com/
It sounds certainly like you are determined, hang in there!... more