topic Re: Split EQ CBR in General Credit Topics

Split EQ CBR

junior88 — Sun, 10 Jul 2011 15:50:01 GMT

Anyone have any experience with this? Seems to be happening to me lately. What causes it?

Re: Split EQ CBR

Believe1970 — Sun, 10 Jul 2011 16:03:15 GMT

I had the same problem. I think it was pulling my credit score everyday when i was using the American Express credit tracker or whatever it was called. I called EX and they fixed it. Not sure if you are having the same issue, but that's what happened to me.

Re: Split EQ CBR

junior88 — Sun, 10 Jul 2011 16:06:47 GMT

I've had it fixed 3 times before. I just hate calling EQ cause they do not understand english I swear.

Re: Split EQ CBR

DI — Sun, 10 Jul 2011 16:42:50 GMT

Did the split report do anything to your hard and soft inquiries?

Re: Split EQ CBR

haulingthescoreup — Mon, 11 Jul 2011 03:31:37 GMT

@junior88 wrote:
Anyone have any experience with this? Seems to be happening to me lately. What causes it?

The most common reason is frequent soft inquiries. The report loads up with softs, and then splits. Too much data for the alloted file space.

Frequent softs on EQ will often result in closed accounts falling off early as well, hurting your AAoA.

Re: Split EQ CBR

TravellingNomad — Mon, 11 Jul 2011 14:47:47 GMT

@haulingthescoreup wrote:
@junior88 wrote:
Anyone have any experience with this? Seems to be happening to me lately. What causes it?
The most common reason is frequent soft inquiries. The report loads up with softs, and then splits. Too much data for the alloted file space.

Frequent softs on EQ will often result in closed accounts falling off early as well, hurting your AAoA.

i think i know the answer to this, but just want to make sure im not fooling myself. but if you put a freeze on your reports, will it prevent the softs from coming through as well?