I am a business owner and even though it is a corporation, I have to use my personal credit. Who personally uses their credit for XXXX or any other corporation? My major issue at this point is I pay a monthly fee to be a member of the credit reporting agencies. I get updates daily if there are changes and can refresh my score at anytime. Recently I purchased a home the bank pulled my score from Transunion as did I and the scores were different as much as XXXX points. This week I am purchasing a new vehicle and my score was XXXX points less than what the bank got. Because of the difference on the house I am paying 2 % more monthly and the vehicle I will be paying 3 % more. Anyone that pulls my credit or any Americans credit should receive the same score. I find the scoring system as a fraud / scam to consumers. The system needs to be the same, I work to improve a score of XXXX when really ( per the bank ) I need to work to improve a score of XXXX of which I have never seen.