Experian Credit Reporting Complaint

Experian Credit reporting department,

Credit monitoring or identity protection Account terms and changes Virginia

I have spent countless hours and thousands of dollars cleaning up my credit report in order to refinance my home mortgage. I have paid membership to this credit agency which allows me to monitor my credit and my credit score. this membership costs me $240.00 a year and I expect to have accurate information. I recently applied for a refinance loan because the credit score that I see when I log into my account shows -. However, when the lender pulled my credit scores they indicated that my score is -, almost a - point difference. I was denied the loan because their minimum score is -. I do not understand why the scores are so different and why I am not advised as to any other scores that may be provided to creditors.