Minimum Decision Credit Score (MDCS)
Last updated 2026-08-01
FHA Single Family Housing Policy Handbook Glossary November 26 2025
Updated 2026-08-01
Minimum Decision Credit Score (MDCS) refers to the credit score reported on the Borrower’s credit report when all reported scores are the same. Where three scores are reported, the median score is the MDCS. Where two differing scores are reported, the MDCS is the lowest score. Where only one score is reported, that score is the MDCS.
FHA Single Family Housing Policy Handbook Glossary November 26 2025
p. 34
Related terms
Report an issue with this page
Still have questions?
Ask about this page or what may happen next. You will continue in Help — this is general information, not legal or counseling advice.