Three major credit bureaus, Experian, Transunion, and Equifax, all report consumer credit usage. Banks use FICO, which analyzes all three credit bureaus and issues different scores using the information.
FICO offers scores in different areas, some of which consider the overall scores from all three bureaus and others that provide separate FICO scores for each bureau. There are also FICO scores for bank cards, car loans, home loans, and other types of credit, and each lender may use a different FICO score to determine a consumer's ability to repay loans.
Your scores may vary significantly depending on the information available from each bureau. That is because all lenders do not report to each credit bureau. The information each lender uses to determine whether a borrower is trustworthy also varies depending on the lender's protocols and the type of loan you want.