Free credit scores, why do I have a credit score of 822 with two credit reporting co. , bad with one

If your credit score was that good, you would not be on here asking stupid questions like this one.

Free credit scores, why do I have a credit score of 822 with two credit reporting co. , bad with one?

Is the one credit reporting co. who you consider BAD carrying a loan that is not reflected on the other two? Not all loans are reported to each of the three major credit reporting agencies. Some may report to only one or two, while others may report to all three. Also because of difference in calculating scores none of the scores are usually exactly the same. If you have an 822 on two different agency reports that is just a coincidence.