Since Fico, Beacon, and Emperica are based on different scales, How can mortgage lenders use the middle score to determine the APR and loan Terms..... because a 600 on Tu would be higher than a 600 on Eaquifax.. Example: TU 653 EX 675 EQ 637 how can you compare when they are on different scales...??????????? Under the "middle score used assumption" the rate to determine APR would be 653. But that 653 could be a 680 on the Fico model and make 675 the middle which would get really good home loan rates... Am I crazy or (dont know what Im talking about) is this just another example of how credit scoring hurts the individual consumer.. In my case it didnt hurt me as much cause my TU was my high and EX and EQ were 1 point appart with completely different info.. just food for thought..