Middle Credit Score®

Score Basics

There are three scores—only your Middle Credit Score® sets your rates.

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Understand your true Middle Credit Score®

Why the Middle Credit Score® Decides What You Pay”

You actually have three credit scores, but lenders don’t use the highest or the lowest — they use the Middle Credit Score®, because it is viewed as the most accurate risk indicator. This score is what determines your approval odds, interest rates, insurance pricing, and how you’re financially profiled in major decisions.

How Lenders and Institutions Evaluate You

Your Middle Credit Score® isn’t just a number — it’s a trust measurement. Banks, mortgage lenders, landlords, insurers, auto lenders, and even some employers use it to decide whether you are considered low-risk or high-risk. The higher your Middle Score, the less you pay for access to credit, housing, and opportunity.

The Most Common Misunderstanding About Credit Scores

Most people believe the number they see on a free credit app is what lenders use — but it isn’t. Consumer apps use educational models that can differ from your true Middle Credit Score® by 20–70 points or more. This is why people are shocked when they apply — they’ve been looking at the wrong score the entire time.