Equifax credit report and score?

[Anonymous]

  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.

[Anonymous]

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

[Anonymous]

Sounds like a split file to me....

Need to call EQ.

[haulingthescoreup]

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

Need to call EQ.

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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

[fused]

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

[Anonymous]

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.

[haulingthescoreup]

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

[Anonymous]

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. 

[Anonymous]

Send the info -

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

[George2037]

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)