freezing a credit file

[Anonymous]

i understand that you can put a freeze on your credit file so know one can look at it. is this true?  who can look at what & who can affect my score if it's locked.  i've been working on my credit for about 18 months.  i purchased a vehicle last month. quifax & experian had my scores at 680 & 670, but transunion had me at 599. of course the dealer looked at the 599.  i don't know whats going on at transunion, but they have things on there that are a mystery to me.  is it possible to keep people from seeing the tu report & only see the experian and equifax.

[Anonymous]

No.  If you lock a credit file then while it is locked the report & corresponding FICO score can't be obtained.

If the dealership uses TU (which they did) then you simply would be denied for credit because a credit report couldn't be obtained.

There is no way to have a dealership/bank/lender/CC provider that uses TU use another CRA instead.

For CC you can use whogavemecredit.com to find out which CRA the provider pulls from.  If you apply to a lender that uses EFX for example they will never see your TU report.  You can search the forums to try and find a auto lender that uses one of your "better" scores.

Remember it is not an exact science.  For national lenders they may use different CRA for different areas.  For example Cap1 auto lending my pull someones EFX file for a loan in CA but pull TU for a loan in VA.

[Anonymous]

understood. thank's

[Anonymous]

Off topic...but TU is screwing me over too. They have information from 2005 that the creditor has told them to delete numerous times. Uggh.