（双语阅读是网易中产频道推出的独家编译类栏目【点击阅读更多】本期文章原载于美国在线，原标题：Scoring a Mortgage Without 3 Credit Scores）
In order to get a mortgage these days, homebuyers are typically required to have three credit scores -- one scoring model calculated three times based on each of your credit reports at the three major credit bureaus.
However, one problem that I see periodically when working with homebuyers is that they do not have three credit scores. While many lenders still operate under this requirement, it is not indicative of all 2014 mortgage lending. You actually can still get a mortgage if you don't have all three credit scores. Here's how, and what to be prepared for.
Rating From Each Bureau: Lenders look to a homebuyer's credit for the likelihood of a delinquency.The higher the credit score, the less likelihood of default, which means a lower interest rate. Meanwhile, a lower credit score means a greater risk of default, and therefore carries a higher interest rate. Pretty self-explanatory, right?
The lending industry standard is to use a credit score model developed by FICO (though there are many different credit-scoring models out there). Your credit scores are informed by the information found on your credit reports. Your creditors -- such as your credit card company, auto lender, mortgage company, etc. -- report your payment behavior and other information to the major credit reporting agencies (Equifax, Experian and TransUnion), which is the basis for your credit report.
借贷行业的标准是用FICO信用模型（当然市场上也有其他不同的信用计算模型）计算出的分数衡量。你的分数是建立在你的信用报告基础上的 -- 来自于你的信用卡发行公司，汽车贷款商、抵押贷款公司，等等 -- 报告你的支付记录和其他信息给主要的信用报告机构（如Equifax,Experian和TransUnion）,这就是你的信用报告的基础信息来源。
Many creditors report to all three major credit reporting agencies. However, there are some creditors who may report to only one or two. This is where homebuyers can run into a problem. When lenders ask you, "What's your credit score?" what they're really asking is, "Do you know your middle credit score?" (If you don't know it, don't worry. The lender will obtain it with your initial qualification.)
Each credit reporting agency provides the mortgage lender a credit score. Among them, there will be a high score, middle score and a low score. The middle credit score is what mortgage lenders use to qualify a potential borrower. So if you don't have three credit scores, what do you do?
If You Don't Have All Three Credit Scores: In short, if you don't have all three credit scores, be ready to explain the how, what, when, where and why. Your lender is going to want to understand why you don't have three credit scores, but the fact remains if you don't have three scores, that alone will not necessarily deny your ability to get a mortgage.
Lenders have standard lending guidelines set forth by Fannie Mae and Freddie Mac, and individual company guidelines, which are their interpretation of those basic guidelines.
Depending on the nature of the mortgage company you're working with for your loan, they might be required to have three credit scores because of their investor overlays -- meaning if they have a certain credit threshold, they must abide above and beyond the normal guidelines. In such a circumstance, three credit scores could be required by that particular mortgage company.