Which credit bureau matters most for a mortgage?

Mortgage lenders pull all three bureaus — Equifax, Experian, and TransUnion — and use your middle score, not the highest or lowest. If two borrowers are on the loan, lenders use the lower of the two middle scores.

This is different from the free scores you see on consumer apps, which often use a different model. We pull a true tri-merge mortgage report up front so there are no surprises about which number underwriting will use.

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