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Yes, in mortgage lending they use the middle of three or the lower of two. In the car business they usually pull either Experian or Equifax. On leases, the lender will usually use the bureau the dealer pulled, so it's not a bad idea to check yours first to perhaps steer the deal towards the better report. And if you have a report with some bad info/low score on it, make sure the dealer sends it to a lender that doesn't pull that bureau.
Besides late payments and their severity/recency, high balances relative to credit limits hurts a score a lot. I've heard in this regard the highest scores are generated with very low balances, say 5-10% of the limit. Better than zero balances...
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