Each credit bureau or lender can chose how important certain trade lines are weighed in your score.
A car dealer will pull your score, and if you've had great car history, your score could show as 770, even though you could have had some late payments on your credit cards.
Apply with Capital One for a credit card and they'll pull a score of 630.
All lenders and credit bureaus will not all be the same. Just be aware of what your applying for, and where. This will effect the score, and you'll be the better for it concerning interest rates.
