dude123 Posted September 30, 2006 Report Share Posted September 30, 2006 Hi,Question for the Gurus here.I have a good credit history except one collection item shown up in one of the credit agency report. Will it be a problem for the mortgage application? Because from what I read so far the lender will use the middle score which will be fine for me.Thanks for the answer! Link to comment Share on other sites More sharing options...
Got FICO? Posted September 30, 2006 Report Share Posted September 30, 2006 You are correct "most" lenders do take the middle score.Good luck Link to comment Share on other sites More sharing options...
Gandolf Posted October 1, 2006 Report Share Posted October 1, 2006 I used to be a mortgage loan officer and I can tell you, almost always it's the middle of the 3 in terms of your credit score however they do pull all 3 credit reports and if this is an UNPAID collection it can still affect your debt ratios and such. If it is paid then it won't really matter. Link to comment Share on other sites More sharing options...
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