Incident meters measure the light falling on the scene and tell you the camera setting.

If your incident meter is "pressed-against-the-tip-of-subjects-nose" with the dome is pointed at the camera lens; it will normally be right and reliable.

Reflective meters require more thought because the reading is affected by the subject.

If for example if your reflective meter was pointed at a white sheet of paper in your scene, the reflective meter reading may differ from the incident meter reading by 2-4 stops, black paper, same offset in the other direction.

With the reflective meter you need to decide how to adjust the meter's reading based on what you read off of.

What I'm saying is that the two readings you took may be telling you the same thing, you just haven't adjusted the reflective meter's reading yet.