topic Re: Time to clean the SP's from Equifax... in General Credit Topics

Time to clean the SP's from Equifax...

Burned2manybridgesB4 — Sat, 07 Sep 2013 13:38:55 GMT

Think I'm nearing the data limit on my Eq file.

My three newest TLs are already established on Ex, and Tu. Still twiddling my thumbs waiting for Eq to update. (Two cycles passed on two of the three already).

Anyone know the specific department name I need to ask for with Equifax, when I call into their frontline CSRs?

Re: Time to clean the SP's from Equifax...

StartingOver10 — Sat, 07 Sep 2013 14:07:12 GMT

I don't think the SP's affect anything on your credit. It's the HP's that are counted.

Re: Time to clean the SP's from Equifax...

Burned2manybridgesB4 — Sat, 07 Sep 2013 14:24:27 GMT

@StartingOver10 wrote:
I don't think the SP's affect anything on your credit. It's the HP's that are counted.

I'm nearing data limit, reducing my positive TLs from showing, and bumpage. It's affecting Eq's ability to correcly report all my accounts.

Re: Time to clean the SP's from Equifax...

Kratos-TM — Sat, 07 Sep 2013 14:46:14 GMT

Wow.....didn't know there was a data limit? Does this mean pulling our credit everyday on monitoring sites is gonna hurt us?

Re: Time to clean the SP's from Equifax...

DaveSignal — Sat, 07 Sep 2013 15:10:24 GMT

I don't think you are near data limit on SPs. That is ancient stuff. People don't bump off inquries anymore with SPs.... and account information has NEVER been bumped off by daily SPs. Thats crazy. Some CRAs take 3 months with a new account before they start reporting.

Re: Time to clean the SP's from Equifax...

Kratos-TM — Sat, 07 Sep 2013 17:47:28 GMT

Whew........ok, thanks Dave. OP had me worried a minute....

Re: Time to clean the SP's from Equifax...

Burned2manybridgesB4 — Sun, 08 Sep 2013 00:48:14 GMT

@DaveSignal wrote:
I don't think you are near data limit on SPs. That is ancient stuff. People don't bump off inquries anymore with SPs.... and account information has NEVER been bumped off by daily SPs. Thats crazy. Some CRAs take 3 months with a new account before they start reporting.

It's happening. May not be as bad as it used to be, but I'm showing the symptom on eq + tu. If you want, I can pm the descriptives to you, Dave. Not a fluke, as it's ongoing for over three months now. I'm going to be calling Equifax on monday, and will post any findings/info that may help others.

Re: Time to clean the SP's from Equifax...

Anonymous — Sun, 08 Sep 2013 01:53:55 GMT

that is not true, not knowing... I bumped off two inqueries from march of this year on my EQ... I stopped pulling my report daily... now i do it a few times a month....

Re: Time to clean the SP's from Equifax...

pizzadude — Sun, 08 Sep 2013 02:48:57 GMT

Let's keep this discussion clear of subjects which aren't permitted per the myFICO terms of service. Thanks.

Re: Time to clean the SP's from Equifax...

Shogun — Sun, 08 Sep 2013 14:23:23 GMT

Yes, it does still happen to an extent. However they sometimes "purge" the system and the old stuff shows back up. It can get quite messy and I don't advise using this method. burned and myself have talked about this before and he has lost some info that shouldn't have been lost. Hopefully he can get it fixed.

Re: Time to clean the SP's from Equifax...

RobertEG — Sun, 08 Sep 2013 14:57:39 GMT

Personally, I would leave it be.

The purging of history of any prior inquiries at two years is purely an admin decision by the CRAs. It is not required under the FCRA.

Soft pulls are, by definition, not seen by others when obtaining your CR, so have significance only to you.

Inquiries take up tons of data space, and their deletion is done by software at the CRAs. I doubt they are going to do a manual review of individual consumer files upon request.

Re: Time to clean the SP's from Equifax...

DaveSignal — Sun, 08 Sep 2013 15:42:07 GMT

It thought that it purged every month though and the inq limit is higher than a single daily puller can reach in 1 month, so unless a person is specifically attempting to bump off inqs, it should be unlikely to happen unintentionally.

Re: Time to clean the SP's from Equifax...

Burned2manybridgesB4 — Mon, 09 Sep 2013 00:00:26 GMT

RobertEG, I've read the horror stories of old items resurfacing. That's one reason I've let it ride out this long. FYI, I'm showing SPs well beyond the two year limitation. Edit: my amex CS finally failed with Equifax last night. The daily pulls are due to my prior experiences being an id theft victim.

Re: Time to clean the SP's from Equifax...

Burned2manybridgesB4 — Mon, 09 Sep 2013 13:20:27 GMT

Dug out the calculator....

335 SP's on file from last full CR recieved, so it's actually more than that by now. Oldest is 3/2010.

Re: Time to clean the SP's from Equifax...

Burned2manybridgesB4 — Mon, 09 Sep 2013 15:32:19 GMT

To all my higher ranking ficoers...

Well, what do you guys think? Call, or ride it out like RobertEG suggested.

That's a hell of a lot of softs, and they've been around a while.

Guess running two CMS products kinda bit me in the butt, huh?

Doing the research, I"m definitely locked out of my EQ file, and AmxCS is showing repetitive failures/Eq non return email.

Edit: I'm getting blocked, ticketed for service, and the chopping will commence....God help me now....

Re: Time to clean the SP's from Equifax...

Kratos-TM — Tue, 10 Sep 2013 18:25:33 GMT

So what's the moral of this story......should we or should we not pull our reports daily to check on it? Do all these SP's cause data problems? Are all of our installments and revolver accounts reporting at risk?

Re: Time to clean the SP's from Equifax...

Burned2manybridgesB4 — Tue, 10 Sep 2013 18:29:32 GMT

@jarroldharrell1 wrote:
So what's the moral of this story......should we or should we not pull our reports daily to check on it? Do all these SP's cause data problems? Are all of our installments and revolver accounts reporting at risk?

DaveSignal is right about the cra's doing housekeeping from the cms pullers, but for some reason my file hasn't been cleaned since March '10. Watch your sp counts, when you do your annual full freebies.

Re: Time to clean the SP's from Equifax...

IWOL — Thu, 12 Sep 2013 05:46:58 GMT

From everything I have read it is not possible to have more than about 90 soft inquiries on EQ at any given time. Once you go past that number the oldest soft on your report would automatically fall off, so I don't know how you could possibly have 330 softs on EQ. Even if EQ is not doing housekeeping of your report you could still never have more than 90 or so softs at one time.

From what I understand this is set up by default by EQ to prevent your file from "overloading" so I don't think that your soft pulls are causing tradlines not to show. I cold be wrong but that's my understanding of how it works.

Re: Time to clean the SP's from Equifax...

Anonymous — Fri, 13 Sep 2013 21:53:40 GMT

My report showed hundreds of SPs... so I dont think there is a limit as you stated.

Re: Time to clean the SP's from Equifax...

usofascott — Tue, 17 Sep 2013 06:42:47 GMT

I can verify that it can happen. I have been pulling daily from two sources Equifax directly and a tri=merge along with MyFico once a week. All of a suddent, inquiries and tradelines started to disappear. I called Equifax last week about the 4 missing tradelines and asked for Executive Service. the nice lady said that I pulled my reports too often and that it can cause a split of my file. The missing things are in another file of mine. When someone requests my report they can get either file, but not both. She was going to have someone in support remerge my files and drop soft pulls. it will take about a week.

She recomended that i drop the Equifax service or it would happen again. There is a limit to the size of your file and Soft Pulls eat it up.