Almost none of my accounts report to Experian

[RecoveryGuy]

Hi all, I've been using the valuable information on these boards for a long while now and figured it was time for me to create a profile and get involved in the community.

I was curious if anyone else ran into this same issue. I understand that some creditors choose not to report to one CRA or another and that EX tends to have less creditors report to them over EQ and TU but I think there is a legitimate problem with my EX report. I have about 50 accounts reporting (including many student loans) to my EQ and TU, yet only 2 (that's correct 2!) accounts report to my EX. Those 2 accounts are from 10-12 years ago and they are student loans from Sallie Mae. I hold about 10 other student loans with Sallie Mae and yet none of those report to EX.

An interesting thing to note is that my father has the same first name as I do and about 8 years ago, I pointed this out to the CRA's since a few of his baddies showed up on my reports and I had to dispute them in order for them to be removed. Might this still be playing into why EX has just 2 of the 50 accounts I hold report to them? Or is it possible some other glitch is at work here? 

Thanks very much for your help, in advance.

[crunching_numbers]

You need to check with EX. There is a VERY good chance that you have what is called a split file. in effect, you have two separate files on thier books. You will need to have them investigate and merge them.

[RecoveryGuy]

Very interesting. I've never heard of that until you mentioned it. It sounds like the only logical explanation. I'll initiate an investigation and provide an update once I hear back.

Thanks!

[enharu]

The easiest way to do this is to call every lender that isn't reporting to EX correctly.

Notify them of the issue, and have them update / dispute with Experian directly.

[RTOrockstar]

For what it's worth, I'm 39 yrs old and my EX report only goes back to Nov. 2009 simply because none of my creditors reported to them. Same thing with TU. My EQ, on the other hand,  goes back much farther to the early-90's. I live in SC and EVERYTHING is done via Equifax.

Weird, but it happens.

[RecoveryGuy]

Thank you for the tip, enharu. I plan to take this approach.

[RecoveryGuy]

That is weird, RTOrockstar. The only reason I think that might not be the case for me is because I hold about 20 or so student loans (from undergrad and grad school) and of those 20, about 11 are serviced by Sallie Mae. Of those 11, 2 of them are reported to EX. Which leads me to believe that Sallie Mae would be reporting the other 9 as well, if my file had not been split.

I guess I'll find out for sure once I speak with the folks at Sallie Mae and request to have all of my loans reported to EX.