what credit bureau do most mortgage lenders use
Tri-Bureau Credit Reports. Rather than pull each of your credit scores from each credit bureau, mortgage lenders typically purchase a tri-bureau or âtri-mergeâ report from a third-party provider. The tri-bureau report includes your FICO scores from all three credit bureaus. Because the information on your credit reports may vary, so too do your FICO scores vary with each credit bureau. Mortgage lenders generally use the median credit score out of the three unless two of your scores are the same in which case that is the score your lender uses. FICO Versions Even if you purchase your FICO scores directly from the Fair Isaac Corp., you have no guarantee that the FICO scores you pull and those your lender pulls will match.