Question for accountants and/or anybody who understands the credit bureaus

[DD]

How the hell is my Transunion score 160 points less than the Equifax/Experian ones? Do they score you on different criteria or something--and if so--what? All I had was past student loan accounts (some were bad, but all paid off now)--virtually no revolving debt

[m>s]

How the hell is my Transunion score 160 points less than the Equifax/Experian ones? Do they score you on different criteria or something--and if so--what? All I had was past student loan accounts (some were bad, but all paid off now)--virtually no revolving debt
Yes they do score you on different criteria, and your score probably has to do with your overall lack of credit. We're you ever late on any payments?