EQ Split File

[keithbward]

Well, my equifax credit file split after a dispute for a collection that wasn't mine. Same first and last name of some guy who is twice my age apparently..lol. But anyway. I caught it and called and had it fixed in about 15 minutes. Now my EQ file has no lates, no baddies, AAoA or 11 months, utilization of 11%, but lots of inquiries. The score is 628. Prior to the split it was like 670. Any idea what happened? Prior the file had two collections, a lot of inquiries, AAoA of 12 months, and utilization of 30%. Just kinda confused right now.

[Anonymous]

I am glad it has been fixed.  Did EQ tell you what happened?  Because there are alot of things that can cause a split file. For example, pulling your file too often can cause it to split.

[Anonymous]

Happy it's fixed! Perhaps another forum member can help with your question about why.

In my wallet: Venture 15k; Barclay Ring 12.5k; Discover 10k; CareCredit 7.7k; Amazon Store Card 5k. QS 5k; BofA Travel Rewards 3.5k; BofA Travel Rewards 3.5k; BofA Platinum Visa 2k; Barclay Apple Rewards 2k. Total Credit: 66,200. 7/2-FICO: EQ - 788; TU - 777; EX - 690; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 7 TU: 7; EX 7; Chapter 13 seven years May, 2015. Reset my garden date to 6/27. Gardening until further notice.

[keithbward]

No explaination as to why it happened. Just that my file was big and these things happen. I might pull my EQ once a month, twice max with my EQ plan I have just to check to make sure my reports line up. Haven't had the issue with EX or TU.  I did have to talk to 3 different people to finally understand my issue. It happened immediately after the dispute cleared apparently. The credit report I received after the dispute I think helped get it fixed as fast as it did since EQ had generated it and it showed all my accounts for them to locate the rest of my file.