1. The middle score is usually the one primarily considered. 2. The impact of the scores is dependent on the type of loan. 3. With a mortgage, the scores are just one factor of the credit report. (This isn't coming out right..what I'm trying to say is that they don't just look at your score and say "yea" or "nay." They also look at what the issues are on your reports. 4. The reports for mortgages can sometimes contain different info than the ones we have with our fico scores through Equifax. I picked this up because I believe someone said an earlier deletion showed up on a mortgage credit pull. Thanks for you help. By the way, this was crazy...but my hubby's highest score was the ONE report with 3 collections..his lowest 2 had two collections. How wierd! Everything else was similar.