Mortgage lenders pull your credit score from all three bureaus and use the middle number — not the highest, not the lowest — as your qualifying score. This matters when you have collections because some collectors only report to one or two bureaus. A collection that lowers your Experian score may not affect your qualifying score if your Equifax and TransUnion scores are still strong. This is why looking at all three reports separately is critical when you have collections.
What is the middle-score rule and how does it affect my Texas mortgage application?
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About the Author: Logan Skidmore
With over two decades of deep-rooted experience in the financial and property markets, Logan Skidmore is a powerhouse in the credit restoration industry. As a co-founder of The Credit Repairmen in 2011, Logan has established himself as a preeminent expert in credit score optimization, strategic repair, and the laws that govern the credit and credit repair industries.
His journey into advocacy began with an 8-year tenure as a mortgage loan officer, paired with 22 years of active real estate investing—roles that revealed the critical, often life-changing impact of a healthy credit profile. Driven by the desire to help others navigate the complexities he witnessed firsthand, Logan co-founded his firm to provide elite, law-based solutions that empower clients to reclaim their financial freedom and achieve their homeownership goals.
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