On every loan we pull a Tri-Merged Credit Report which is from Trans Union, Equifax and Experian, combined into one report. We throw out the highest score and the lowest score and use the middle score. Not all creditors report to all three bureaus, so therefore you get different scores. One is not more important than the other.

Not sure as I'm not a lender - but I believe all of them - also, just as important is the debt to income ratio!

Experian.

Like grading on a curve, we only take the middle score and throw out the highest and lowest.

If there are multilple borrowers, we then use the lowest of all middle scores...

This is not true for some lenders, but for ALL lenders/creditors...

Teniqueka Green that's a great question for a lender.

Ask your lenders. I don't get involved in credit reports as a broker.

They all count. The lowest one counts most!

All of them matter.

I thought it was called a blended report from all 3. Depending on your part of the country, there is a major for your area. Ours here is Experian. 

Yes, all 3 will be different scores.

Lenders pull reports from all three bureaus and use the mid-score. Not all creditors report to all three bureaus so the scores are different. And the bureaus have each have different algorithms which also causes the scores to be different. That is why lenders pull from all three bureaus and take the mid-score.

Teniqueka Green - I think all of them. Most lenders check all three.

Looks like Bob Betel offers a good assessment.

All 3 take the midscore is the process

As Bob said, the middle score of the 3 is what my lenders in Charlotte use.

good question - one I don't know the answer to

A lender could use one, two or all three and sometimes none. Once you know which source(s) they look at then that becomes what matters most.

Teniqueka Green I believe all three of them are taken into consideration when evaluation credit.

In my experience, the lenders I've worked with have run my reports from all bureaus.

My lender looks at them all

I'll check all of the answers here.....I would assume all of them would be important....

You need at least two credit reports and preferrable all three. If two, the lowest score is used. If three, the middle score. You cannot succeed with just one credit report.

I believe the lenders take an average.

Anyone of them wields a big stick

I leave this to a trusted lender since I am not involved in making loans.  

All three count to many lenders.

It depends on the lender.

TriMerged

I always thought they averaged them or took middle score.  Ask a lender, though.

Typically yes, all 3 scores are different but I'd say 15% of the time, 2 of them have the same score. In that case, the lowest score is used. If all 3 scores are different, the middle score is used. No one bureau outwieghs another. 

I believe they are the BIG 3 ...  the lenders look at all three and then they use the middle score.

Middle score one.

generally the lenders pull all three and use the middle score. Therefore they all carry equal weight.

in my experience all three have been pulled and the middle FICO score has been used.

Experian seems to hold the best information.  This may not be better for clients. I don't know if one outweighs the other.

I didn't think they were weighted.