Co-Borrower Credit Scoring Explained, What Banks Use and Why It Matters
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Co-Borrower Credit Scoring Explained, What Banks Use and Why It Matters
Most couples go into the loan process assuming the stronger credit profile carries the application. It doesn't work that way. Lenders pull three scores for each borrower, identify the middle score for each, then use the lower of those two numbers to make the qualifying decision. Not an average. The lower middle score. If one spouse is at 740 ...
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