That was my guess. With a split file, you could come out very, very well indeed, or you could look pretty awful. I remember one member posting that his/her score dropped something like 150 points, then the next day it was up 150, then down 150 again. Each time they were pulling a different fragment to score from.
The bad address could affect things too, if it keeps an account from being scored. (I think that's how that works, not positive, though.)
BTW, it's a good idea to look at all the addresses that are on all three of your reports. When one of our mods finally accepted a killer offer from Discover, he wound up having an inq on two CRA's instead of one, because EX keeps screwing up his address. Discover felt obliged to pull his TU as well to verify his info. He's been battling EX on this for a good long while. Needless to say, he's one of the EX-haters around here!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007