Transfer credits and Calculating GPA for last 60 credits

[A_SouthWest]

I have a dilemma about which GPA to post as my last 60 credits.

My overall GPA from my undergrad was a 3.106.

Now here's my issue: I started in 2007, but then took time off in 2009-10 during which time I took some classes at a community college that transferred over (but did NOT count towards my final gpa)

If i skip over the transfer credits and calculate only the credits used to my overall GPA I have a 3.2

If I use the transfer credits I have a 3.78

There is one semester fron 2007 that is dragging me down because after that semester I maintaing a 3.88.

Which GPA should I report to grad schools (MSW) if I use the 3.2 should I attempt to explain the discrepancy in my personal statement?

Thanks in advance and please feel free to ask me any questions if I didn't explain it well enough