I know the middle score is the most important however do I need to make sure that all credit reports are clear with collections and disputes for a mortgage or just the middle score? Will mortgage lenders only look at that middle score? Thank you so much!
Yes, all three reports matter.
Not only will data from all three be looked at during the underwriting process... but also, since having an open dispute can inflate a score, which score is your "middle score" may very well change when disputes are removed or resolved.