Home Loan Credit Report Confusion

[Anonymous]

So this may be a stupid question and it may even vary from lender to lender. I understand that most lenders use either tri-merged scores or the middle score. If a lender is using the middle score do they just go with the coninciding report for that particular score or will they view them all? I 'm wondering if its worth the time to dispute a collection that has been deleted from all but one credit report. Thanks in advance for any guidance.

[medicgrrl]

The middle score comes from the tri-merge

[Anonymous]

I was wondering the same thing. I wouldn't dispute anything though, because it's hard to get the dispute comments removed. Mine keep getting put back on. 

[Anonymous]

Yea I think I mayvleave week enough alone unless the lender needs me to address it. But if that's the case it's gonna get disputed since its an error on their part and you would think they would have just deleted it from all my report instead of just 2.

[Anonymous]

Really? So basically all the information from all the reports is what is reviewed? I kind of figured that but never saw a true explanation. Thanks for clarifying this for me.