[af]

...a couple taking out a mortgage together? Is it simply an average of the three scores and then the two? Or do they just look at the lowest score? My husband makes like $62k per year with a fico score of about 680. I make about $35k per year with a fico score of 775. Obviously he's better at making money, but I'm better at paying it on time.wow that really sucks. All my good credit history for nothing.