You take the advice you’ve heard so many times and you get your free annual credit reports to make sure they are correct. Then you take it one step further and get a free credit score. Perhaps a lender provides it when you are turned down for credit, or your order it from a service such as Credit.com.
But the number you see is a complete surprise.
Your credit score is not what you expected. Maybe it’s better, maybe it’s worse, but either way you can’t imagine why it’s so “off.” What gives?