XXXX I checked my free credit reports ( it is actually very difficult to do, as the system does not work optimally ; I was able to pull up only one free report ). Because I had to pay for others, I also got my XXXX score. It was above XXXX. Imagine my shock when my credit union told me that Experian was reporting my score at XXXX. It makes a huge difference in the interest rate I can get. Ex. lists a delinquency in my report and other problems that neither I nor the credit union saw XXXX in the actual report ). I have credit history from 1982, and only XXXX 30-day late payment in all that time ( from XXXX ; also subject to a dispute ). It is inconceivable that the score would be so low. Experian needs to correct the errors, so the score may be adjusted.