topic Re: Equifax in General Credit Topics

Equifax

dt3813 — Mon, 28 Mar 2016 09:53:25 GMT

I think I have an unusual situation. I have a tendency to soft pull my reports a lot. I'm one of those people who has become addicted to watching my scores climb and reports improve. I have myfico, check CK, Equifax, TU and CCT.

In February my Equifax report wouldn't update on anything. I called and no one could help me, except one department that is open M-Th and I always seem to have time on the days it's closed. Finally after 6 weeks of trying I was told I have a split file (I've been told since I don't). The lady "fixed" my report. BUT on Equifax it said I had a 703, but myfico was saying 640. It used to always have the same score. Now it's never the same and it doesn't translate correctly to any other service I use. Also none of my AU accounts are on my reports. AND now if I check my sights "too often", which translate to about 10 times....BAM locked out again!

On Equifax you call pull daily, but if I use that product daily my accounts become frozen! It's really aggravating. I asked them to delete the soft pulls and was told they would be, but they are not deleted and I still have the same issue.

Anyone else have CB craziness? I think when I get this fixed I'll just dump the Equifax monitoring service since I have no willpower to NOT check....

D

Re: Equifax

Anonymous — Mon, 28 Mar 2016 12:06:17 GMT

@dt3813 wrote:
I think I have an unusual situation. I have a tendency to soft pull my reports a lot. I'm one of those people who has become addicted to watching my scores climb and reports improve. I have myfico, check CK, Equifax, TU and CCT.

In February my Equifax report wouldn't update on anything. I called and no one could help me, except one department that is open M-Th and I always seem to have time on the days it's closed. Finally after 6 weeks of trying I was told I have a split file (I've been told since I don't). The lady "fixed" my report. BUT on Equifax it said I had a 703, but myfico was saying 640. It used to always have the same score. Now it's never the same and it doesn't translate correctly to any other service I use. Also none of my AU accounts are on my reports. AND now if I check my sights "too often", which translate to about 10 times....BAM locked out again!

On Equifax you call pull daily, but if I use that product daily my accounts become frozen! It's really aggravating. I asked them to delete the soft pulls and was told they would be, but they are not deleted and I still have the same issue.

Anyone else have CB craziness? I think when I get this fixed I'll just dump the Equifax monitoring service since I have no willpower to NOT check....

D

Yes!! I have the same issue going on now. Not a split file though. I am addicted to checking Equifax everyday as well. Thats what we are paying for. Anyways, they are in the process of deleting the soft pulls. They said it could take up to 10 days to complete. I'm still getting alerts, but I can't obtain a new report daily. If it's not complete in another week I will call and cancel.

Re: Equifax

dt3813 — Mon, 28 Mar 2016 12:39:23 GMT

Thank you it makes me feel so much better to know I'm not the only one! Does your score report correctly?

Re: Equifax

Anonymous — Mon, 28 Mar 2016 13:00:42 GMT

@dt3813 wrote:
Thank you it makes me feel so much better to know I'm not the only one! Does your score report correctly?

It appears it does. Remember, the score we get from Equifax monitoring is their method of scoring. But it is very close to my fico 8 score. By just a few points.

Re: Equifax

dt3813 — Mon, 28 Mar 2016 13:36:27 GMT

Prior to this craziness it was always the same. Now it's around a 50 point difference. It's aggravating. I think once they fix the problem I'm going to discontinue the service. It's too much temptation!

Re: Equifax

Anonymous — Mon, 28 Mar 2016 14:00:05 GMT

@dt3813 wrote:
Prior to this craziness it was always the same. Now it's around a 50 point difference. It's aggravating. I think once they fix the problem I'm going to discontinue the service. It's too much temptation!

I know what your saying. I have tried to restrain myself too. But everyday I check it. It is stupid of me... Just paranoid that something will show up that I was unaware of. A new collection or something. You know how it is.

Re: Equifax

dt3813 — Mon, 28 Mar 2016 14:03:49 GMT

I feel ya!

Re: Equifax

Anonymous — Mon, 28 Mar 2016 14:06:18 GMT

What is the reason behind getting the soft pulls removed? They don't affect your score and not viewable to potential creditors, right? I too am addicted to checking my report daily, but now that I signed up for the monitoring sites I receive notifications when a change happens, but just curious to know if I should request for soft pulls to be deleted.

Re: Equifax

dt3813 — Mon, 28 Mar 2016 14:08:04 GMT

Because they are making our Equifax file too large and it's causing problems.

Re: Equifax

Anonymous — Mon, 28 Mar 2016 14:12:03 GMT

@cromanda wrote:
What is the reason behind getting the soft pulls removed? They don't affect your score and not viewable to potential creditors, right? I too am addicted to checking my report daily, but now that I signed up for the monitoring sites I receive notifications when a change happens, but just curious to know if I should request for soft pulls to be deleted.

With Equifax monitoring you can pull a new report daily as part of your membership. When you do that it soft pulls your Equifax report. Eventually, that page of your file fills up with soft pulls to the point where you can't soft pull yourself anymore. So you have to request that field (soft pulls by you) on your Equifax file to have all the soft pulls deleted. Creditkarma can no longer soft pull you either.

Re: Equifax

Anonymous — Mon, 28 Mar 2016 14:14:16 GMT

Ahhh got it! That makes sense now. And probably explains why my EQ report stopped updating with Credit Karma. Good information. Thank you!

Re: Equifax

Anonymous — Mon, 28 Mar 2016 15:13:55 GMT

@cromanda wrote:
Ahhh got it! That makes sense now. And probably explains why my EQ report stopped updating with Credit Karma. Good information. Thank you!

You need to call Equifax in order for them to be deleted. They will not get deleted until you ask them to.

Re: Equifax

dt3813 — Mon, 28 Mar 2016 15:45:36 GMT

The lady at Equifax and I are on a first name basis! She said they would be deleted, but I'm still waiting. I have a message on her VM waiting for her today.

Re: Equifax

Anonymous — Mon, 28 Mar 2016 15:57:24 GMT

@dt3813 wrote:
The lady at Equifax and I are on a first name basis! She said they would be deleted, but I'm still waiting. I have a message on her VM waiting for her today.

Great!! It can take up to 10 days. I called this morning to check on the progress of mine. They said it has been escalated and in the process of deleting. Let me know how you make out.

Re: Equifax

dt3813 — Mon, 28 Mar 2016 16:01:59 GMT

I will thanks!

Re: Equifax

Anonymous — Mon, 09 May 2016 00:04:58 GMT

Clueless Question!

How exactly are you "pulling" your scores (on a daily basis) ?

As a subscriber to the myFICO reports am I "pulling" my scores also, and not knowing it?

Thanks in advance!

Re: Equifax

RonM21 — Tue, 10 May 2016 09:23:59 GMT

@dt3813 wrote:
I think I have an unusual situation. I have a tendency to soft pull my reports a lot. I'm one of those people who has become addicted to watching my scores climb and reports improve. I have myfico, check CK, Equifax, TU and CCT.

In February my Equifax report wouldn't update on anything. I called and no one could help me, except one department that is open M-Th and I always seem to have time on the days it's closed. Finally after 6 weeks of trying I was told I have a split file (I've been told since I don't). The lady "fixed" my report. BUT on Equifax it said I had a 703, but myfico was saying 640. It used to always have the same score. Now it's never the same and it doesn't translate correctly to any other service I use. Also none of my AU accounts are on my reports. AND now if I check my sights "too often", which translate to about 10 times....BAM locked out again!

On Equifax you call pull daily, but if I use that product daily my accounts become frozen! It's really aggravating. I asked them to delete the soft pulls and was told they would be, but they are not deleted and I still have the same issue.

Anyone else have CB craziness? I think when I get this fixed I'll just dump the Equifax monitoring service since I have no willpower to NOT check....

D

OP I'm addicted in this way also. I don't have a split file, but like others have said I like checking because I'm paying for it. Mine however always pulls EXP. I'll be keeping an eye out for problems and may get the soft pulls deleted just because.

Re: Equifax

dt3813 — Fri, 24 Jun 2016 21:22:24 GMT

@donny10 did you ever get your situation fixed at equifax? Mine still has not been fixed, I called again and the contact I gave you was so rude to me. She told me that "as i told you before you can't pull daily and you don't need to". I told her I only pull to see if it's fixed and it was never fixed. She told me that if I continue to pull too often (basically if i continue to use what I am paying for) that they will "take the service away from me". In my eyes they basically HAVE taken it away, but they are still making me pay $30/month for it! I told her to fix it and I'll just cancel it. I just checked....it's still not fixed.

Re: Equifax

Anonymous — Fri, 24 Jun 2016 23:21:20 GMT

Yes, they did fix it and it acted up again 3 days ago and having them deleted again.

They will not take it away from you. If I were you I would be on the phone with a supervisor so quick their phone lines would fail.

Don't ever let them treat you that way. You should be paying $9.95 a month.

Re: Equifax

Anonymous — Fri, 24 Jun 2016 23:26:54 GMT

Call them every single day. If you don't get anywhere, let me know tomorrow. I have a contact you can call at Equifax's Office of Consumer Affairs.

The number is in my office.