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Lock Experian to force use of higher credit scores from other Bureaus?

Noremedy21
New Member

Lock Experian to force use of higher credit scores from other Bureaus?

Hi all-

 

New to the US having lived here for 12 months with a 10 month credit history. My scores are as follows:

 

Fico Auto 8:

 

Experian: 658

Transunion: 728

Equifax: 722

 

Fico score 8:

 

Experian: 704

Transunion: 738

Equifax: 755

 

Obviously for whatever reason my Experian scores are a lot lower than the other 2 and will likely cause me to get higher APR quotes. I want to lock my Experian report to force lenders to use other Bureaus scores. Is this a viable strategy and are there any downsides or things I should be aware of?

 

Thanks !

 

 

Message 1 of 5
4 REPLIES 4
Cowboys4Life
Frequent Contributor

Re: Lock Experian to force use of higher credit scores from other Bureaus?

All we can say is it MIGHT work.  You cannot force a lender to use or not use a particular bureau.  If their lending criteria calls for a pull of EX then they will simply deny the application until you unlock it.

Message 2 of 5
cashorcharge
Community Leader
Senior Contributor

Re: Lock Experian to force use of higher credit scores from other Bureaus?

It is a violation of the Terms of Service of MyFico to discuss gaming the system to alter CB pulls.  

Message 3 of 5
dunn2500
Frequent Contributor

Re: Lock Experian to force use of higher credit scores from other Bureaus?

or just apply to banks that use your higher scores......thats what ive always done

Message 4 of 5
GatoradeZeroGuy
Established Contributor

Re: Lock Experian to force use of higher credit scores from other Bureaus?


@dunn2500 wrote:

or just apply to banks that use your higher scores......thats what ive always done


agreed

 

just ask who they pull

Starting FICO 8s

Current FICO 8s



Message 5 of 5
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