topic Re: Equifax credit report and score? in General Credit Topics

Equifax credit report and score?

Anonymous — Sun, 16 Sep 2007 13:56:35 GMT

Hello ,I've been reading the forum for a few weeks ,but this is my first post.

Here's my deal.I pull my report fron EQ almost daily and it is PERFECT ,I stress perfect because I couldnt write a better one myself.Heres the problem,I have a Fico score of 582!Ib elieve I have 2 credit reports out there.There are some negatives missing from my report.

My Ex and Tu reports seem correct and their scores both are in 680'S.I talked to my banker who is a friend and is familiar with my situation he pulled a report and got a different report,although many of the same accts are on both reports.

Also ,I have scorewatch from Eq and in August,07 my score went from the aforementioned 582 to 787 overnight and you guessed it ,a week later went back to 582 where it remains.

I dont think there is fraud or anything involved ,I think maybe I have 2 reports.Has anyone else experienced this ?If so what did you do and what was the outcome?

Thanks in advance for your help.

Re: Equifax credit report and score?

Anonymous — Sun, 16 Sep 2007 15:35:11 GMT

yes I have the same product as you and have went the through the same thing over and over. Actually this weekend matter of fact. My score was a 633 then all of a sudden it went to a 687 overnight. Then this weekend it went back to a 633 overnight for no reason, because there was no change in anything on my report.But this has happened several times. I have spoken to people and they always say its because of a dispute you have done. But there were times that I have had no disputes and it would do the same thing or there were times that I did have disputes and it did not effect the score. So I really can't explain it. I actually think its a flaw in the credit watch product. I would suggest whenever its starts to do the jump to just go to myfico and get an accurate score.

Message Edited by curve401 on 09-16-2007 08:35 AM

Re: Equifax credit report and score?

Anonymous — Sun, 16 Sep 2007 18:12:50 GMT

Sounds like a split file to me....

Need to call EQ.

Re: Equifax credit report and score?

haulingthescoreup — Sun, 16 Sep 2007 19:46:11 GMT

@Anonymous wrote:
Sounds like a split file to me....

Need to call EQ.

What is a split file? I have seen this mentioned on other posts, and you can almost feel people shudder.

On my (doubtless temporary) TrueCredit reports, one of my tradelines is reported by TU and EX on one blob and by EQ on a second. The TU/EX blob has all the 30 days posted, and the EQ is blank, although all the info at the top (dates, $$$, etc) match.

Is this a split file? If so, what do I do about it? If it's not, is it something I need to call TC about? Since it's just a monitoring service, I wouldn't think it would matter. I just look at the TC scores and chuckle and go on. thanks

Re: Equifax credit report and score?

fused — Sun, 16 Sep 2007 21:29:59 GMT

Split files, though quite rare, can occur with daily EQ pulls on their web site. Timothy is right, call EQ right away!

Re: Equifax credit report and score?

Anonymous — Mon, 17 Sep 2007 01:21:35 GMT

What will happen to my score when and if they ever get it straight?The problem is when you apply for credit,you dont know which report they will get.It looks like the Fico people are getting a different report than I am.If they sent them the report Im getting I believe the "787" score would be right.

Re: Equifax credit report and score?

haulingthescoreup — Mon, 17 Sep 2007 01:35:54 GMT

still stumped on the split file thing... sounds ugly, whatever it is

Re: Equifax credit report and score?

Anonymous — Tue, 18 Sep 2007 03:26:21 GMT

Update,today I called Eq,they want me to send letter with copy of ss card ,drivers lic, and a piece of mail with my address to fix.Should I comply or hope they straighten it out on their own.

Re: Equifax credit report and score?

Anonymous — Tue, 18 Sep 2007 03:45:48 GMT

Send the info -

Let them fix it.
This is a normal request for them

Re: Equifax credit report and score?

George2037 — Tue, 18 Sep 2007 14:25:57 GMT

I get two differant reports from EQ depending on the time of the month. Chase had the suffix in my name wrong and EQ started a file for that name, and held one for my actual name. If I pull my report after one of my TL's with the correct name reports everything is right, if I pull it after Chase reports I get a totally differant report. I fixed it with chase but still waiting for all the info to update.

Before Chase reports my FICO= EQ 685

After Chase reports my FICO= EQ 575 (not enough history, only one TL reported)

Re: Equifax credit report and score?

Tuscani — Tue, 18 Sep 2007 18:03:52 GMT

haulingthescoreup wrote:
still stumped on the split file thing... sounds ugly, whatever it is

Your CR becomes so big (usually because of so many soft inquiries) they split your file. Sometimes you can have multiple FICO scores because of it. You may have 20 TL's in good standing and 1 TL in bad standing, but when your file gets split. One file could be those 20 TL's that are in good shape and the other could be the 1 TL that's in bad shape....So you may really have a 700 FICO because of all of your positive TL's but you could have another fico of 550 because of that file with the one bad TL.

You can get them merged back into one, but sometimes the CRA's are slow to do it, or you get a CSR who's never seen it before.

FYI.. Soft Inqs are not the only cause for split files.. Usually a slight variation of the name or address on either data input or credit reporting, in addition to multitudinous soft inquiries can cause a CR to split.

Re: Equifax credit report and score?

Anonymous — Tue, 18 Sep 2007 18:53:41 GMT

Tuscani wrote:

haulingthescoreup wrote:
still stumped on the split file thing... sounds ugly, whatever it is
Your CR becomes so big (usually because of so many soft inquiries) they split your file. Sometimes you can have multiple FICO scores because of it. You may have 20 TL's in good standing and 1 TL in bad standing, but when your file gets split. One file could be those 20 TL's that are in good shape and the other could be the 1 TL that's in bad shape....So you may really have a 700 FICO because of all of your positive TL's but you could have another fico of 550 because of that file with the one bad TL.

You can get them merged back into one, but sometimes the CRA's are slow to do it, or you get a CSR who's never seen it before.

FYI.. Soft Inqs are not the only cause for split files.. Usually a slight variation of the name or address on either data input or credit reporting, in addition to multitudinous soft inquiries can cause a CR to split.

Tuscani, about how many softies is multitudinous? Can this happen from daily pulling?

Re: Equifax credit report and score?

jackg — Sun, 11 Nov 2007 20:55:31 GMT

lightn,

I have experienced exactly what you are going thru and I'm going to give you the info. you need to solve your problem.

Dinah Watson, contact her, she is in the "Office of Executive Consumer Service" and she is awesome. She fixed my problem in 2 days. Explain to her your circumstances, in detail and stick to the facts. Tell her, in detail, what you think needs to be done to fix your problem, ie: merge the 2 files together, etc.

It's likely she will respond with a request to allow her time to investigate and get back to you. Be patient, although she solved mine in 2 days. What I'm saying is do not email her every 15 minutes asking for an update, she will get back to you. I probably will need her assistance in the future and so will you.

I will warn you however, do not try anything funny. She will figure it out and drop you like a hot potato. Just explain the circumstances, stick to facts and she will fix it.

I only wish I could find someone like her at TU & EX.

Edited!

Message Edited by fused111 on 09-18-2007 11:30 AM

Message Edited by jackg on 11-11-2007 12:55 PM

Re: Equifax credit report and score?

fused — Tue, 18 Sep 2007 21:30:28 GMT

jackg wrote:

lightn,

I have experienced exactly what you are going thru and I'm going to give you the info. you need to solve your problem.

Use email address: dinah.watson@equifax.com, she is in the "Office of Executive Consumer Service" and she is awesome. She fixed my problem in 2 days. Explain to her your circumstances, in detail and stick to the facts. Tell her, in detail, what you think needs to be done to fix your problem, ie: merge the 2 files together, etc.

It's likely she will respond with a request to allow her time to investigate and get back to you. Be patient, although she solved mine in 2 days. What I'm saying is do not email her every 15 minutes asking for an update, she will get back to you. I probably will need her assistance in the future and so will you.

I will warn you however, do not try anything funny. She will figure it out and drop you like a hot potato. Just explain the circumstances, stick to facts and she will fix it.

I only wish I could find someone like her at TU & EX.

Edited!

Please check your PMs at the top right of your monitor...the yellow envelop.

Message Edited by fused111 on 09-18-2007 11:30 AM

Re: Equifax credit report and score?

Tuscani — Tue, 18 Sep 2007 21:32:51 GMT

scramblingin2007 wrote:

Tuscani wrote:

haulingthescoreup wrote:
still stumped on the split file thing... sounds ugly, whatever it is

Your CR becomes so big (usually because of so many soft inquiries) they split your file. Sometimes you can have multiple FICO scores because of it. You may have 20 TL's in good standing and 1 TL in bad standing, but when your file gets split. One file could be those 20 TL's that are in good shape and the other could be the 1 TL that's in bad shape....So you may really have a 700 FICO because of all of your positive TL's but you could have another fico of 550 because of that file with the one bad TL.

You can get them merged back into one, but sometimes the CRA's are slow to do it, or you get a CSR who's never seen it before.

FYI.. Soft Inqs are not the only cause for split files.. Usually a slight variation of the name or address on either data input or credit reporting, in addition to multitudinous soft inquiries can cause a CR to split.

Tuscani, about how many softies is multitudinous? Can this happen from daily pulling?

Not sure. I have a very thick file and have been pulling daily for years without issue.

Re: Equifax credit report and score?

Anonymous — Wed, 19 Sep 2007 00:01:36 GMT

I dont see that pm

Re: Equifax credit report and score?

Anonymous — Wed, 19 Sep 2007 00:02:19 GMT

what is a "TL"

Re: Equifax credit report and score?

fused — Wed, 19 Sep 2007 04:56:39 GMT

lightnin67 wrote:

I dont see that pm

PM = private message. look for a yellow envelop icon at the top right of your screen if your popular (new messages) or white if unpopular (no new messages) The PM I sent was intended to another member.

Re: Equifax credit report and score?

fused — Wed, 19 Sep 2007 05:00:49 GMT

TL = tradeline, any account in good or bad standing reporting on your CRs (credit reports). For more info on abbreviations read this.

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=1325

Re: Equifax credit report and score?

joinme — Wed, 19 Sep 2007 05:22:40 GMT

Thank You! Thank You! everyone! I was going crazy today when I pulled my Eq file the last pull was May "07" . I received a score alert +93 so I pulled my file and I was shocked!!! Not my file only 7 accounts, no inquries no collections, my name and current address are correct but lots of former address and employers not mine and the 7 accounts are not mine, I thought I finally joined the 600 club but sadly no I am contacting EQ, My real file missing-ANS