No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
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 !
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.
It is a violation of the Terms of Service of MyFico to discuss gaming the system to alter CB pulls.
or just apply to banks that use your higher scores......thats what ive always done
@dunn2500 wrote:or just apply to banks that use your higher scores......thats what ive always done
agreed
just ask who they pull
3/6, 5/12, 14/24