I may be wrong but since mortgage companies pull all 3 for the very reason that not all things show on all reports, wouldn't they use her middle score? That's what they did when my husband and I bought another home.My AMEX card is now showing up on all 3 of the reporting agencys but this is after months of telling them that it was not showing up on TransUnion. AMEX finally got it right on mine but it is still not showing up on my wifes TransUnion report. I have spent hours on the phone with both TransUnion and AMEX informing them of this and they keep blaming the other company. TransUnion keeps telling me that they report everything that is reported to them and by law have too. AMEX keeps telling me that they are reporting it to all 3 of the credit agencys hence the reason why it is showing up of the other two. Needless to say I have tried to conference both without them knowing but they tell me that they can not do 3 way. WHY when this could be so easily taken care of. They each then tell me that they need the other to call directly but nothing ever happens after months. I have disputed and had investigations started with both companies with no luck. Can anyone tell me what else I should be doing as this is killing my wifes credit score of over 100 points on TransUnion. Let me tell you that she is also a co applicant on the card as well. Her scores are 728 EQ 726 EX but is 625 on TransUnion. Does anyone have any suggestions as we are trying to buy property and if fthey pulled the TransUnion report we would be declined in a second with that low of a score.