Why is my credit score different from a report I bought vs. the banks?

Trying to refinance a mortgage. Wasn't sure about our credit score so I went to the only reputable site, that FTC.org government site which then lead me to this other site that allows you to view your credit report for FREE once a year. After you do this, you are then able to pay an extra 9.99 to see your actual score. So I did this and our scores ranged from 718-771 with all three bureaus. Then I go to the bank today and they say, your credit score is low...it's at 645??? How can this be? Wouldn't that same score show up in one of the 3 I BOUGHT and PAID for? When I pay for my credit score I should get the most accurate...and why is there more than one? I get it...3 bureaus...3 scores..but then shouldn't that be consistent anywhere you go, with any bank, lender, etc??? I AM FURIOUS at this point that I just spent over an hour at a bank with false hopes!!!! I want to call these credit bureaus and get my MONEY back because apparently, the info they have on my credit scores is WRONG!

BEST ANSWER: Try this site where you can find the best solutions for you:your-finance.us

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https://www.linkedin.com/pulse/how-much-would-insurance-2001-convertible-mustang-16-year-salazar-1/