Question about credit score

So when applying for a home loan will they look at both?

Credit score is only one piece of the puzzle. Ask your lender about their methodology because most are going to be different.

My lender used all of our credit reports as a basis, but actually had a completely different way to create a credit score. I don't recall what the range was, but our score ended up being over 900 (credit reports go to 850).

Make sure to pull both complete reports and make sure there are not any errors or omissions. Sometimes it can be a very small thing that can affect it. I.e., they have all the same credit cards, but one of them showed up several years later lowering your average score. You have more hard hits on one report bc your cable company ran 2 reports on you within 2 weeks on one report, but none on the other...

It's normal for their to be small differences but that's a significant one... I would double check and make sure the reports really are completely identical, also make sure the score models are the same (i.e. if one is FICO and the other is Vantage that will throw it off).

Ask your lender but most use your middle score and drop your highest and lowest.

I'd order your reports through myfico.com

I think it's $60 for all 3 with scores, but you'll be able to see the scores most lenders use (which is not necessarily the score you get when you run your own credit report)