Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
Re: Interpreting Your FICO Score

34 wrote:

my equifax score is 675 my transunion is 736.. is my score averaged out? or is the lowes fico score used?

Per a mortgage loan? If yes, your lender will pull all 3 FICOs (not just the two) and take the middle score as opposed to an average and use that mid score as a basis for the rate, PMI, etc.. If applying with a spouse, then the lender will take the lower of the two mid scores and use that.


If for anything else like a car, CC, etc., most will only pull one report and look at one score. There are some that look at 2 or 3 as well.