Which credit score is used, how does lender determine which credit report to base their decision?There's an 80 point swing between my highest & lowest scores, how does the lender select which report to base their decision? Do they take the mid-score, average, top 2, bottom 2, etc...June 14 2014 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.