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What is a "Middle Score"? How do lenders use this?

Why is this credit score so important?

What is a middle score? Learn how lenders look at this when they consider the 3 credit scores and why.

Mortgage Lenders Use This How?

Mortgage lenders pull credit reports from all three bureaus, Equifax, Experian and TransUnion. Then they compare the 3 credit scores. For instance, I had a client who was buying a four-unit, he had a 580 with TransUnion, a 622 with Equifax and a 634 with Experian, thus the score in the middle was 622.

Mortgage lenders use this score to determine your creditworthiness.

stack of blocks pointing to middle score

If that credit score in the middle is not very high, then you need to compare the three reports you have and see how they are different. Perhaps there is incorrect information on one or two of them.

Then take the time to clean those reports so your score will be higher. You can do this yourself by doing a little credit repair.

Today it's not hard to obtain a copy of your credit report from all three agencies. So take the time to see what your credit score in the middle is!

More Information...

How to do Credit Repair Yourself gives you step by step instructions so you can get started.

Home Buying Experience read what others have done and benefit from their successes or mistakes.

First Time Home Buyer Programs explains the different mortgage programs so you can decide which one is best for you.

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