FICO system scores from 300-850.
FICO is the only one that matters since it's the one that all major lenders look at.
So as you can see it depends on if your looking at a true FICO score or a Vantage plus score.
As far as what makes up credit scores it's the following;
1. Payment history (longer the better) 35%
2. Time in bureau (longer the better) 15%
3. Types of credit (mix of credit cards & installment loans) 10%
4. New credit (new accounts and inquiries) 10%
5. Debt to credit ratio (lower the better) 30%
So as you can see credit is based on opening and paying accounts. So without that you would have
no score at all.
To answer your question the credit bureaus use different scoring systems. Equifax uses FICO, Experian uses Vantage and Transunion uses both depending on what type of bureau is pulled of which there are 3. The standard that you see, the auto enhanced that only auto dealers and lenders see and the factual which only mortgage companies and lenders see. So each person can have 9-different scores none of which will match. Great system huh. Add to this that all lenders do not even report to all 3 credit bureaus and some don't report at all and you begin to see the problem with our current system.
So, I don't know what you saw? But as you can see from the above there is no such thing as a 9000 credit score.