Lenghty Equifax file and possible split file?
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.