I usually answer these questions, but now I'm puzzled. I just purchased my score from Equifax and Experian through the MyFICO.com site. Equifax came back as 813 listing a handful of positive factors and stating that because it's so high there are no negative factors. Experian gave me 819, no positive factors, and two negative factors (recent credit and a high balance) that seem to indicate that if they had used the same method to arrive at the score as Equifax, it would be even higher.
I thought everyone used the same factors, just gave them slightly different point values. Why would one say everything is way cool, and the other slap my hand for buying a new car and getting a Kohl's charge? (They have really great sales for cardholders! I had to. :)