I subscribed to "myfico" to download my credit reports (all 3) and thought my scores were too low (-61) from previous year. Not a happy camper with these scores, I decided to subscirbe to Experian reports (again all three, same day) and my scores were: +48, +90, +109.
What is up with this??? I will use Experian reports since this is the larger and more reputable source used by many more companies.