3 Credit Scores matter because mortgage lenders want to look at all 3 data sets from Trans Union, Experian and Equifax before making a decision. This allows them to reduce their risk of default. They typically look at all 3 scores and then take the mid score in the decisioning process. If you are married though, you have 6 scores and thus 2 mid-scores. Here, the lower mid-score prevails. Watch the video to learn more.