<human>: Give me the gist of the text in a nutshell

Hi guys,

Brief overview of my situation:

I just graduated and started a new job, I have 12k in loans.  I paid rent and utilities in my name for a year.  I've had a discover card open for about a year which I've paid off in full every month.

Discover does their monthly Fico report and my credit has slowly been going up as I made my payments on time, they even raised my limit to 2000 without my asking.  They report my Fico score now at 725 which I felt was pretty good.

I applied for a BoA cash rewards card because a lot of places don't take discover.  To my surprise they started me on a $500 limit.  And when I got a credit letter in the mail they said my Experian score was only 649 :(

This is with my income of 37k a year - compared to the discover card I applied for with only student loan / scholarship income to report.

I can't pull my Experian or Equifax scores online, they want me to send in physical verifications.  I think because I've been moving around due to school housing & whatnot.  TransUnion says 689 with my only negatives being my loans.

Anyway, the score BoA sent me seems really low compared to the one I've been watching grow over time on my discover account, which is bumming me out.

Any advice for me as far as pulling my 2 scores, maybe straightening things out with BoA, etc?  What are my options here?
<bot>: with a 37k job, BoA gave me a much lower limit than I got with only financial aid income.  scores showing lower than my fico score provided by discover.