Item 3  I am confused can you give an exampl?.. Keep in mind when the bureau search ofr your credit the use name address, prvious address social secuity number age or date of birth and generation code.

A better definition of a spilt ifile is when your credit report is pulled and not all of your credit reports.

Edited to remove and add information

In the how to fix section  it is better to use method 2 first then method 1.

Causes of split file section item 1 will not cause a split file in and of itself there are other factors that are more likely the cause not large amout of credit activity or credit. Item 2 will not cause a split file because all the inquiries are on one file.