Could I have a split file?!

woodyman100 · ‎07-28-2017

Over the last couple of years, I have noticed that some apps come back declined because they were unable to pull Equifax.

It is not frozen.

I have frozen it a couple of times, but it was an act of congress to lift it so I decided to leave it Hot and Sweaty.

I have had an auto loan app, twice with a Credit union for 2 different types of credit and now a Lowe's business app.

For the credit union, I called and they verified that they could not find a file or were unable to pull.

The next day, I called again and they were able to pull it. We were both confused.

Lowes just plain said that I didn't have a file to pull.

I have called Equifax and was told everything was fine.

Anyone have any ideas?

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Anonymous · ‎07-28-2017

I read to many soft pulls could cause this. Some say it is not an issue but I am always worried about my EQ score. I decided to limit personally pulling my score from anywhere to once maybe every two weeks. To try and avoid what I see people posting about. I do get notices from credit karma and credit sesame even when I don't sign in so hopefully they are not sp me to get those updates.

When I got my annual credit reports EQ had three times as many soft pulls than the other two. This is what got me to start reading about why.

AverageJoesCredit · ‎07-30-2017

No clue Woody but Equifax is the bane of my credit existance. Ever since i froze it ive had nothing but problems. Cant even access it properly without unfreezing which is a pain in the behind so for credit unions who pull it im kinda screwed but maybe one day when there should be no hps on it ill unfreeze it lol. I feel you though . EQ has a way of messing with our minds

Anonymous · ‎12-04-2017

I thought I had lost my mind - but once again the forums have saved what little is left. I have been on the phone and mailing back and forth with Equifax and Transunion both because of similar issues and I finally happened across the term "split file". I had never heard it before; it's such an abstract concept that it never came up in any of my research but I think this is my problem.

My last call to Equifax the rep asked me rather weird verification questions, ones that went above and beyond the normal -- did you have X account in 2016 sort. And finally she came back on the line to tell me that there was a lot of junk in my file. Knowing full well that they have to disclose whats in my file, I kept pressing for more information. She wouldn't budge. Then she finally asks me to fax in all this information to verify who I am and that it would help "fix my file". I'm unusually skeptical about Equifax lately (for obvious reasons) and so I was reluctant to send them everything they wanted, at least not without further information about what happened and how to prevent it in the future.

I think it all started with a creditor reporting into one CRA that I was dead. I wasn't quite sure how to respond to that until I found out it has happened to other people. Dead people make the worst loan applicants, I agree, but I am relatively sure I am still quite alive. I fixed that by sending in my driver license and a picture of me holding that day's NYTimes. It wasn't what they asked for but I figure a bit of humor might get me some karma or good will somewhere down the line. But to this day it is still an issue.

I just pulled it now (for some reason it never let me pull it online before, this time -- not a problem) and is it possible that I'm seeing a versionn of my report that up until now i have never seen before in the 6+ months I've been trying to rebuild? There are now things on here that I have never seen before.

Moneyklutz · ‎12-05-2017

@Anonymous wrote:

...I think it all started with a creditor reporting into one CRA that I was dead. I wasn't quite sure how to respond to that until I found out it has happened to other people. Dead people make the worst loan applicants, I agree, but I am relatively sure I am still quite alive. I fixed that by sending in my driver license and a picture of me holding that day's NYTimes. It wasn't what they asked for but I figure a bit of humor might get me some karma or good will somewhere down the line. But to this day it is still an issue.

It most definately earned you a Kudo from me, very well played.