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

[Noremedy21]

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 !

[Cowboys4Life]

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.

[cashorcharge]

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

[dunn2500]

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

[GatoradeZeroGuy]

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@dunn2500 wrote:

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

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agreed

just ask who they pull