cancel
Showing results for 
Search instead for 
Did you mean: 

Split EQ CBR

tag
junior88
Frequent Contributor

Split EQ CBR

Anyone have any experience with this?  Seems to be happening to me lately. What causes it?

4/15/25 TU 820 EX 840 EQ 831 ---- Discover $35,000/AmEx Delta Plat $30,000/Chase United $26,200/US Bank Smartly $25,000/BOA $25,000/Macys AmEx $25,000/GM Card $22.500/Sams Club MC $20,000/Chase IHG $16,000/Chase DoorDash $14,000/Barclay Rewards $12,100/Dicks MasterCard $10,000/Lowes$20,000/BOA Cash Rewards $13,800/Citi Double Cash $9400/Citi Simplicity $8200/Target MC $8500/Wells Fargo Visa $7000/State Farm $4000
Message 1 of 6
5 REPLIES 5
Believe1970
Regular Contributor

Re: Split EQ CBR

I had the same problem. I think it was pulling my credit score everyday when i was using the American Express credit tracker or whatever it was called. I called EX and they fixed it. Not sure if you are having the same issue, but that's what happened to me.

Mortgage:

Auto Loan:

Credit Cards:
Message 2 of 6
junior88
Frequent Contributor

Re: Split EQ CBR

I've had it fixed 3 times before. I just hate calling EQ cause they do not understand english I swear.

4/15/25 TU 820 EX 840 EQ 831 ---- Discover $35,000/AmEx Delta Plat $30,000/Chase United $26,200/US Bank Smartly $25,000/BOA $25,000/Macys AmEx $25,000/GM Card $22.500/Sams Club MC $20,000/Chase IHG $16,000/Chase DoorDash $14,000/Barclay Rewards $12,100/Dicks MasterCard $10,000/Lowes$20,000/BOA Cash Rewards $13,800/Citi Double Cash $9400/Citi Simplicity $8200/Target MC $8500/Wells Fargo Visa $7000/State Farm $4000
Message 3 of 6
DI
Super Contributor

Re: Split EQ CBR

Did the split report do anything to your hard and soft inquiries?

Message 4 of 6
haulingthescoreup
Moderator Emerita

Re: Split EQ CBR


@junior88 wrote:

Anyone have any experience with this?  Seems to be happening to me lately. What causes it?


The most common reason is frequent soft inquiries. The report loads up with softs, and then splits. Too much data for the alloted file space.

 

Frequent softs on EQ will often result in closed accounts falling off early as well, hurting your AAoA. Smiley Tongue

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 5 of 6
TravellingNomad
Established Contributor

Re: Split EQ CBR


@haulingthescoreup wrote:

@junior88 wrote:

Anyone have any experience with this?  Seems to be happening to me lately. What causes it?


The most common reason is frequent soft inquiries. The report loads up with softs, and then splits. Too much data for the alloted file space.

 

Frequent softs on EQ will often result in closed accounts falling off early as well, hurting your AAoA. Smiley Tongue


i think i know the answer to this, but just want to make sure im not fooling myself.  but if you put a freeze on your reports, will it prevent the softs from coming through as well?

Message 6 of 6
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.