You technically have 3 different scores, one with each of the credit bureaus: Experian, Equifax, and Transunion. Not all of your credit accounts may be posted to all bureaus, which is why there may be a discrepancy. A lot of times the free scores you get with your bank or credit card / Credit Karma will only look at one of the credit scores, not all 3. I am not sure which bureau is queried by Tesla finance, it's probably dependent on the bank underwriting the loan. A lot of times with large loans (like car loans and mortgages) the bank will query all 3 scores, and take the median (middle) score. So if you have a 730, 770, and 800, the lender will use the 760 for determining your credit worthiness.