Why does Equifax calculate their scores different than the other two credit bureaus?

Is there anything you can do about your Equifax score? Shouldn’t it be at least close to the same as Experian and TransUnion? And why do most banks use them to check your credit for auto loans? They are so aggravating. They don’t even show a lot of my credit information, like saying I have no open bank cards when I do. Is there anything I can do to correct this? I need to buy a car, but I keep getting turned down for a loan because of my Equifax score.

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