Why your score is different everywhere you look
There isn't one score. There are dozens, and lenders use versions you can't see.
FICO alone has multiple generations in active use, plus industry-specific versions for auto and card lending that run on a 250 to 900 scale. VantageScore is a separate model entirely. Each pulls from a specific bureau's data, and the three bureaus don't hold identical data.
So a free score from an app and the score an auto lender pulls can differ by 40 points and both be correct. Chase the underlying data — accurate accounts, low utilization, clean payment history — instead of chasing one number.
The rest of this is inside the portal
The step-by-step tactics, exact wording, and escalation sequence live in your Fix My Reports workspace, where they're applied to your own report items. Start with a $1 trial, then $50/month — cancel anytime.