Questions about credit

[James Myrthil]

Hi...

Ok I mange to fix my credit up. I got my fico score to a 720. I just applied for a personal loan through a credit union, and when they checked my credit they said my score is 650. But I have credit monitoring and it says 720. I informed the banker and she said "we use a different report" or "we look at your lenders credit" not your fico score. What's the difference between the two? How can I increase both?