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A middle FICO Score is a borrower’s second highest FICO Score among what the three major credit reporting agencies (Experian®, Equifax®, and TransUnion®) report. This is the score mortgage lenders generally use when they qualify homebuyers for home loans. If there is more than one customer on a loan, lenders typically use the score reported for the customer with the lowest middle FICO Score.
Further reading
What Makes Up Your Credit Score?
See also FICO® Score
