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Split file..

Regular Contributor

Split file..

How do you know when your report has a split file? What are the signs to look for??

Which credit bureaus are known to do split files?? It seems like Equifax by reading 

posts here, but then it could be all three.



starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Message 1 of 4
Moderator Emeritus

Re: Split file..

It's primarily a EQ thing.  You can contact them directly and have them check for a split file.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 4
Moderator Emeritus

Re: Split file..

Primarily it is EQ. On very rare occasions there are examples in here of a TU split file. Never seen any examples of an EX split file. You'll know if it happens when you pull your CR day after day and your CR has different accounts reporting each time. Causes are typically due to having a large credit file, especially with a lot of hard and soft inquiries. Your file size is limited and instead of purging soft inquiries, EQ will split off accounts and form a new file, causing a split file.

Message 3 of 4
Valued Contributor

Re: Split file..

There ways to keep from getting a split file. When you apply for credit be consistant in how you apply IE name and address If you move make sure all your creditors have your ccurrent address. When you apply for credit after having recently moved use your current and previous address.

FICO Scores XPN v8 802 V2 831 (SDFCU) TUC 803 v8 EFX 807 (10/2023)
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 15,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 Banking: Ally Bank Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican CU

Pelican State CU Redstone FCU

Message 4 of 4
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