Credit Report

[Anonymous]

I am lost. Need some understanding.

Equifax removed 90% of my accounts and added an old collection back to my report. My report looks like I barely have any credit history. I have been working on my credit for the last year or so. What is that about? Can someone explain?

There were 4 collections that were two years old.

Open accounts - 8 student loans that were in good standing ( currently making payments). And some credit cards that are 6 months or older.

And quite of bit of closed accounts.  

[AllZero]

Please share additional details so members can advise.

[AllZero]

Speculation based on no data provided. Account removed is a closed account ~10 years old from closed date?

[thornback]

If current/active accounts are missing, it may be a split file.  Best bet is to call Equifax to have them investigate and correct.  If you have a copy of a recent, complete EQ report, it'd be helpful.  You're also going need a lot of patience. 

*Also speculation based on limited info.

[AllZero]

^ I speculate that your speculation is spectacular.

[thornback]

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@AllZero wrote:
^ I speculate that your speculation is spectacular.

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Well thank you. 😊😂🤣

[Anonymous]

No. There were 4 collections that were two years old.

Open accounts - 8 student loans that were in good standing ( currently making payments). And some credit cards that are 6 months or older.

And quite of bit of closed accounts.  

[AllZero]

I recall a EQ post.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Need-help-Lost-all-accounts-from-Equifax-cred...

[blindambition]

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@thornback wrote:

If current/active accounts are missing, it may be a split file.  Best bet is to call Equifax to have them investigate and correct.  If you have a copy of a recent, complete EQ report, it'd be helpful.  You're also going need a lot of patience. 

*Also speculation based on limited info.

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+1

Most likely split, or software related. Another DP the other day, solved with phone call.

[thornback]

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@Anonymous wrote:

No. There were 4 collections that were two years old.

Open accounts - 8 student loans that were in good standing ( currently making payments). And some credit cards that are 6 months or older.

And quite of bit of closed accounts.  

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Okay, and so now those accounts are missing but an old collection was re-inserted?