Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007
Re: How Mixed / Split Credit Files Happen and What to Do to Fix

I agree on your causes. Those who see have larger credit files tend to have a higher risk of a split file. That's evident by some examples in here. I also agree on #2. There are several examples in here of EQ CSRs removing the softs off the credit profile first before merging the data together. It was the softs on a limited computer file size that led to the split, which was exacerbated by the number of softs from CMSs.

 

I would also add a #3....a dispute. There are recorded examples in here of split files after a dispute was initiated. Now whether that was due to the added soft or the dispute triggered something, it can happen.