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Established Member
Posts: 14
Registered: ‎07-27-2011
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Creditors Unable to Pull Equifax CR

Since 9/2/12 Citibank (CLI on HD), local CU, and USAA Credit Monitoring Service has all reported they have not been able to pull Equifax CR.  They state that they either get no response or the word "error," which every CSR has stated they have never seen that before.  There has never been any freeze on my reports.  Prior to 9/2/12, I never had an issue and there is no issue with Experian or TU.  I have called Equifax numerous times and they state that all relevant data (SSN, DOB, address, etc) match exactly and they cannot determine the reason the creditors cannot pull the report.  The calls have been escaled to a "Specialist" and they tell me the same thing.  The creditors state they have a business number to call at EQ but they have not been successful so far in getting it resolved. I have had the same address for 17 years.  I tried to pull the free annual report and it said they could not deliver the report elctronically.  I am trying to get a car loan now through my local CU that only pulls EQ and they state that if this cannot be resolved they cannot pull another CB and the loan would not be approved.


Has anyone had an experience with EQ like this, and if so, how was it resolved?  Thanks.

Starting Score: Fico TU 696, Fico EQ 632, Plus EX 720 7/12/11
Current Score: Fico TU 762, Fico EQ 727, Plus EX 780
Goal Score: 780

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Valued Contributor
Posts: 2,000
Registered: ‎04-07-2009
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Re: Creditors Unable to Pull Equifax CR

[ Edited ]

Can you get the text of the error messaage or the erro code being returned?

Equifax My FICO score 814 11/29/2016, Discover TU FICO 807 12/29/2016 Citibank Equifax Bankcard FICO score 827 12/27/2016 Average of Accounts 13 years and no Installment accounts, 1 TU inquiry in 2015
Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011
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Re: Creditors Unable to Pull Equifax CR

Maybe you have a split file.  This sometimes happens with EQ.   Hopefully the specialist will figure it out.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

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