01-31-2013 12:58 PM
My last EQ FICO pull was 616 two weeks ago. My initial goal is over 700 but just to relay progress, my wife is over 700 now and her EQ file is clean.. FINALLY! Mine is still a work in progress so I decided to try and sign up for one of their products to make viewing easier. Well to make a long story short I went all the way to India and back to find out why my order attempts kept failing. Well someone in GA or maybe it was CSC (since im in TX) let me know that my file was way too long after being xfred a ton of times. Alot of soft inquires, disputes, yada yada. So after a lecture on pulling each day and what not I asked her my main question "So I can't order your product because of this?" She said "NO" and If I keep going this way I may be possibly looking at a split file? WTH!!? I searched here but found more things on google about split files and lenghty EQ files. I wanted to still ask on this board if anyone knows of a particular dept at Equifax or CSC to do something about this? I did read something about combining or archiving old stuff so you could start doing pulls again. My wife on her file had to file a complaint to the CFPB and then a CSC paralegal worked with her to delete her items. Im thinking of contacting that lady but im unsure because this may not be the type of stuff she handles.
Any help/advice would be great. Thanks.
01-31-2013 01:03 PM
01-31-2013 03:46 PM
This is part of the problem that I explain to people who are trying to do bumpage. It just causes way to many problems. I'm not saying this is what you were doing, but this is about the same thing that happens.
They should not leave you hanging without resolving this issue. The CSR should have transferred you to someone who will fix it for you. Split files can be put back together, it just takes some work.
You should contact them again and request that they fix it, ask for a supervisor if needed. If they refuse, ask for special handling department. Then if not resolved, I'd file the complaint.
01-31-2013 03:50 PM
01-31-2013 03:55 PM
Bumpage is a process of trying to remove HPs. Some other forums talk about it, but this is a dangerous road and causes many problems.
01-31-2013 04:53 PM
My file is in the exact same situation. They removed 9 positive trade lines in one day from me. 11 different CS reps told me they do not remove positive trade lines and it was the credit grantor's that did it. Yeah right. I called the executive offices last month and left a message and all nine TL's were put back on in two days. Well fast forward to yesterday and they were all gone again!!!!
Well turns out the my file space is all but gone. So even one inquiry will remove them all again. They were only able to put five back on. They said they could not put the other four back on because there was no room. I asked her what am I supposed to do never pull my file again? She basically said yes or until some of my soft inquires fall off. She said they removed all the inquires that they could.
I checked through their dispute process a lot to see if negatives were removed and to see if my positive trade lines were still there. I was not trying to use the B* like a lot of people do to remove hard inquires either. I only have two hards anyways. I just wish they would state somewhere that if you get to many soft pulls, that you can end up having many positive accounts removed!
I am going to call them back in June and see if there is room for the other four before I try and buy a home. Oh and having the 9 removed cost me 29 points. It just destroyed my AAoA. I wish I could check my score now with at least five of them put back on today to see how many points I got back. Though I can not check because it will remove my accounts!!!!!!!!!
01-31-2013 04:54 PM
01-31-2013 06:11 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.