MY credit file was split due to a typo in my name from one of my creditors.
In short, I had two seperate credit profiles with Equifax, until recently...
I called Equifax today. My credit files seem to be officially merged into one - and in the end I got screwed!!!
It picked up inquiries from both files, the credit mistake from one file is now on the merged file, and the file that had no inquiries or mistakes is by-by!
Dang to Equifax to hell -lol!
Now my two scores together, 697 and 735, evolved into one score, a 675!!!
I must also add this screw up was all caused by a stupid Old Navy GEMB Card. They mis credited my payments and report me as a 120 days late! After going through an uphill battle - everything was fixed - except for my equifax creit profile - or at least one of the two profiles.
Now I have one profile and I have to contest this issue all over again, 2 years later! Can you believe it!! Luckily, I submitted an appeal to this account on the "bad credit profile" last week (thinking this would happen) and they said they are now waiting for the credit to get back to them!
Why does it take so long for the creditor to get back to them? And if they fixed it before, then why do this again?!? I'm confused and pissed...
However, I recognize Old Navy-GEMB Money Bank are the real culprits! I want to call them, but I fear it will achieve nothing!