What would be the middle score?

[wagsk1]

My scores; TU 760, Ex 697,Eq 693

Wife; TU 785, EX 790, EQ 797

I assume it would be my TU at 760 but I would like a more definite answer please.

Wife and I are just starting to look at home and we will be going VA.

[StartingOver10]

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@wagsk1 wrote:

My scores; TU 760, Ex 697,Eq 693

Wife; TU 785, EX 790, EQ 797

I assume it would be my TU at 760 but I would like a more definite answer please.

Wife and I are just starting to look at home and we will be going VA.

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The lowest mid score is used, so that would be EX at 697

[wagsk1]

Thank you so much.

[Barneygirl]

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@wagsk1 wrote:

My scores; TU 760, Ex 697,Eq 693

Wife; TU 785, EX 790, EQ 797

I assume it would be my TU at 760 but I would like a more definite answer please.

Wife and I are just starting to look at home and we will be going VA.

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YOUR middle score is EX 697.  Your high score is TU 760.

I'm assuming this is for a mortgage?

[wagsk1]

Yes it is.

[Barneygirl]

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@wagsk1 wrote:

Yes it is.

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Then yes, what was said above is correct.  If this is a joint mortgage (both you and your wife), the lowest mid-score will be the score that drives what mortgage options you qualify for, and what your interest rate is.  Just went through this with my sister, and since her credit was MUCH higher than mine I had to clean up a few things before we could refinance our joint-owned home.