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How do you choose which credit score to use?

There are many different credit bureaus and scoring models, and creditors may take more than one into account. Mortgage lenders typically look at your FICO score reported by 3 credit bureaus: Experian, Equifax and Transunion.


In most instances, mortgage lenders use the middle score for a conservative yet fair measure of your borrowing activity. Or, if you have a joint applicant, the lender will use the middle score of the borrower with the lowest score.


There are some lenders who will use a blended score where they use the average of the 3 scores for each borrower. This can be good for some borrowers but bad for others. This is very new to the industry and not used often.

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