When I tried to rent a car from Hertz using my debit card, they ran a credit check and when the results came, my credit score shoed up as 130 less than my fico score according to what I normally check using either Experien (paid premium account) and credit karma? I am currently working on improving my credit and it has improved by 50 points in the last few months. I am starting to think the results companies get is different than what we see. Excuse my ignorance. What could explain why the numbers vary?