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Sorry to jump into a day old thread, but here's a quick question.

I've subscribed to two of the big three CRA's, and can check my report and score as often as I want. In so doing, it appears that the score ranges vary slightly between the agencies, and a given score can represent a different percentile. For example, a 720 credit score with Company A might be higher than 65% of the population, but a 720 score with Company B would be higher than only 55% of the population.

Given the statement I've read by Catherine (as well as reading similar information from other sources), can I assume that lenders pay little attention to these differences between the 3 bureaus, and simply take the 3 scores and use the middle score, even though a score from one company may not be equivalent to the same score from another company?

(This is probably academic, as our credit scores are in the range where it should make little difference, but it's still good to know)

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