What is a "Middle Score"? How do lenders use this?What is a "Middle Score"? 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 middle score was 622. Mortgage lenders use the middle score to determine your creditworthiness. 
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 middle score is! Leave What is a "Middle Score"? and return to our First Time Home Buyer Credit main page.
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