Some lenders out there will even take an average of your three credit scores instead of using one particular credit score to determine how high of a ltv, loan to value, they will allow on a mortgage loan. For two borrowers they will even add up all three credit scores for each borrower together and then take an overall average to come up with one credit score that they will use to determine what mortgage parameters you will qualify for. Therefore, if one partner has poor credit but makes all or most of the money and the other has excellent credit but makes little to no money, by using a combined average for both borrowers it may help the borrowers to qualify for a better loan or a higher ltv. Ask your mortgage professional if you have any questions about how this works.

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