How is your FICO score calculated in relation to the 3 credit bureaus?

For example, if you have 3 scores from each of the bureaus and they are all different – e.g., 675, 700, 725 – is your FICO score the average of the three (700)?

Public Comments

1. mortgage lenders basically throw away the high and the lowest score and use the middle score
2. yep - just avg the 3
3. Mortgage companies are really the only ones that use ALL THREE scores... credit card companies and car finance companies just use one score... the one they happen to subscribe to. Mortgage companies use your MIDDLE score... so in your example, they would just use 700.... although in that case, it is also the average.
4. FICO is only used by Transunion. Equifax and Experian have their own way of calculating your score.