Equifax report broken due to ITIN and SSN (should I ask them to merge?)

[Youtube101]

Hello all,

I am still learning a lot reading through all the valuable information in this community.

I am seeking some advise regarding my equifax reports. Currently, I have two equifax reports one with an ITIN (4 cards, all not updated for a while - probably because those cards have SSN attached now), and the second one with my SSN (One CC and car loan). I remember asking Equifax to combine them before but they did not.

I have recently got a mortgage and the following are my scores.

Eq1: 696 (One CC and car loan, both with SSN)

Eq2: 650 (4 CC not updated for a few months and with ITIN)

TU: 720

EXP: 699

I need to refinance my car loan (because of high APR). I am at the moment debating if I should call Equifax to combine the reports as well as get the 4 CC updated (all close to zero balance at the moment).

What would be your advice?

Thanks in advance,

[JoeRockhead]

You have what's called split file.  Once you have a SSN you should ask the bureaus to merge your reports. It's also recommended you notify the IRS so they can rescind the ITIN.

You should also stop using the ITIN for anything once a SSN has been issued.

[Youtube101]

---

@JoeRockhead wrote:

You have what's called split file.  Once you have a SSN you should ask the bureaus to merge your reports. It's also recommended you notify the IRS so they can rescind the ITIN.

You should also stop using the ITIN for anything once a SSN has been issued.

---

Yes, I stopped using ITIN as soon as I got an SSN. I remember asking Equifax to combine the files but then I did not follow up especially after I started the mortgage process.

I will ask them.

Thank you,