What is my midscore? Confused

[LindysMom]

Right now I am at 676 EQ - 676 TU - 643 EX

What is my mid score?  I don't want to assume it's actually 676 when it is 643?  I have read that it can be the lowest of the three?  Which, again, doesn't make sense.  

Help?!

[Medic981]

---

@LindysMom wrote:

Right now I am at 676 EQ - 676 TU - 643 EX

What is my mid score?  I don't want to assume it's actually 676 when it is 643?  I have read that it can be the lowest of the three?  Which, again, doesn't make sense.  

Help?!

---

The FICO mid-score is the middle of the three. In your case, I am not sure and would be interested to know. A more knowledgeable MFer will chime in time.

[Anonymous]

OP—From my research (here, elsewhere, and talking to lenders), If two of the scores are the same, they use that score, regardless of whether the two repeated scores are higher or lower than the third score.

[Gladius]

---

@Anonymous wrote:
OP—From my research (here, elsewhere, and talking to lenders), If two of the scores are the same, they use that score, regardless of whether the two repeated scores are higher or lower than the third score.

---

Depends on who "they" are.

[SouthJamaica]

---

@LindysMom wrote:

Right now I am at 676 EQ - 676 TU - 643 EX

What is my mid score?  I don't want to assume it's actually 676 when it is 643?  I have read that it can be the lowest of the three?  Which, again, doesn't make sense.  

Help?!

---

Unless these are your mortgage scores, and you're applying for a mortgage, it doesn't matter, because I don't know of any importance to the 'middle' score except in the mortgage application process.

If these are your mortgage scores and you are applying for a mortgage I think 676 would be your middle score in the above mentioned scenario.

[LindysMom]

This is for mortgage purposes. Thank you!

[Anonymous]

Mortgage lenders are the “they” to which I refer who will use middle FICO mortgage score.