Split Files On Equifax

[lindsaydruart]

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@Anonymouswrote:

Silly question but how does a split file happen and what can one do to take preventive measure to insure it does not happen to them. 

Those having the problem I’m sorry it’s happening to you. 

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It happens when you have too much information for a credit file. It could be open and closed accounts, inquiries, judgments, just a bulk of information. In the last 10 years, I have over 100 accounts closed or opened so everything is still reporting and apparently, EQs system can't handle it. TU and EX handle it just fine so....

[Anonymous]

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@Anonymouswrote:

Silly question but how does a split file happen and what can one do to take preventive measure to insure it does not happen to them. 

Those having the problem I’m sorry it’s happening to you. 

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It happens when one's file becomes too big for the alloted file's space, usually from having lots of accounts and/or lots of soft pulls. There may be other reasons for the split file, but those 2 I'm aware of.

[Anonymous]

Crazy cause sometimes you can’t control who is soft pulling you. Right? 

[Anonymous]

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@Anonymouswrote:

Crazy cause sometimes you can’t control who is soft pulling you. Right? 

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Usually the softs pulls come from us pulling our reports everday, making our files larger.

[Anonymous]

Thanks for info. Thinking I will refrain from daily checks then. Do soft pulls age off like hards do?

[Anonymous]

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@Anonymouswrote:

Thanks for info. Thinking I will refrain from daily checks then. Do soft pulls age off like hards do?

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I'm sure they do. Years ago when a file got so many soft pulls it would cause hard pulls to fall off, but the CRA's fixed that glitch.

By the way, split files seems to only happen on Equifax.

[lindsaydruart]

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@Anonymouswrote:

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@Anonymouswrote:

Thanks for info. Thinking I will refrain from daily checks then. Do soft pulls age off like hards do?

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I'm sure they do. Years ago when a file got so many soft pulls it would cause hard pulls to fall off, but the CRA's fixed that glitch.

By the way, split files seems to only happen on Equifax.

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Equifax is still running on a very very antiquated system. It's largely the reason most Equifax files have errors. TU seems to be the most reliable in my experience with Experian only slightly behind. Equifax operates like an old school General Store that never has what you need but somehow manages to still be in business.

[Anonymous]

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@lindsaydruartwrote:

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@Anonymouswrote:

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@Anonymouswrote:

Thanks for info. Thinking I will refrain from daily checks then. Do soft pulls age off like hards do?

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I'm sure they do. Years ago when a file got so many soft pulls it would cause hard pulls to fall off, but the CRA's fixed that glitch.

By the way, split files seems to only happen on Equifax.

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Equifax is still running on a very very antiquated system. It's largely the reason most Equifax files have errors. TU seems to be the most reliable in my experience with Experian only slightly behind. Equifax operates like an old school General Store that never has what you need but somehow manages to still be in business.

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I agree about Equifax, however I find Experian to be the most accurate with Transunion a close second.

[AverageJoesCredit]

Yup , i love Experian, always first to update and just overall my fav bureau though all my creditors seem to use Equihack.

Lol, wow over 100 accounts on EQ, MIND BLOWN!

[lindsaydruart]

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@AverageJoesCreditwrote:
Yup , i love Experian, always first to update and just overall my fav bureau though all my creditors seem to use Equihack.

Lol, wow over 100 accounts on EQ, MIND BLOWN!

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Yeah, I went through a year of massive account acquisition to repair my credit systematically. I opened a ton of subprime accounts just to show good activity and closed them before annual fees kicked in. The rest of them is my consolidation of student loans.