*Loan,banking and credit>>>credit score

Credit scores of 597, 597 and 683??

I have been monitoring my credit for the past 8 months. I have had some outdated items successfully deleted from my account (I dealt directly with my creditors AND the reporting agencies- no third parties). My score a year ago was in the low 500's-yikes!- due to medical bills from an accident in college. Anyway, I've been working full time (almost 3yrs) at an excellent job and I am getting ready to purchase a house.

I'd rather wait for my score to reach at least 700 before making any moves BUT I need to be clear on something. Are credit scores AVERAGED into one amount or are lenders looking at the HIGHEST of the 3 scores? I get a variety of answers when I ask this question. Also, as you can see, there is no 'middle score' for me so that answer won't work either!

Some banks will look at all 3 credit bureaus and some will just Check for one. With lending practices becoming more strict most will likely look at all 3. Most likely if they look at all 3 they will base rates off of the lowest score. I would try waiting another 4 months to see if your highest score reaches 700 and if the others will go up. Check your report to see if positive items have been reported to all three bureaus. I got mine to go up by 25 points by doing this.

Lenders usually pull from one particular bureau, they don't pull all three (it's too expensive)...so you can ask who they pull from, and that will give you an idea of what they will see...I would be more concerned that one is so much higher than the other two, and I would work to find out what is on the two reports that is not on the third.
the middle of the 3 they look at..but there is a huge gap there..look into why
You get a variety of answers because there is no ONE way that they determine which score will use. Each lender will use their own method. Some will use the lowest score. Some will use the middle score. The most common ones are to take the middle score or the average of all 3. I don't know of any lender that will use just the highest score.
OC1999 is correct.

I would add one thing. Mortgage companies look at factual bureaus not the ones you get.

So the scores they see will not be the same as the ones you see.
Finance Manager for over 7-years.
You're mid-range score is 597. That's what they look at. Period.