What credit agencies do most mortgage lenders use?

Question by LeAnn: What credit agencies do most mortgage lenders use?
We are looking to refinance our house soon. My husbands average fico score is 697 and his average credit score is 740. Why is this such a big difference and will the lenders use the fico score or the credit score?

Best answer:

Answer by La
If I remember correctly, mortgage lenders look primarily at the FICO score.

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