First of this is not a split file. The FICO score is for the credit file given to it . The credit file given to it is the you have the report for.
An example of a situation where a split file can occur is with a consumer whose fill name is Jonathon Doe JR. This consumer has applied for and received credit as Jonathon Doe and Jonathon Doe JR and Jon Doe JR and at two different addresses. The two fileswould be for the Jonathon Doe at address 1 and the second file for Jonathon Doe JR and Jon Doe JR at address 1 and 2. Most of the time this will not cause an issue. If the consumer updates the his address with his creditors you most likely will not see a problem. If there is credit the is unique to Jonathon Doe at address 1 then a you might have a problem. The bureuas may or may not consider Jonathon Doe or Jonathon Doe JR the same person depending other info in the conusmer credit file. Just becuase the SSN are the same it does not mean it is the person. The bureaus search criteria looks at Name, address , previous address, generation code, age, date of birth.
Here is a link you might find useful in understanding the score reasons.
http://www.scoreinfo.org/FICO-Scores/Pages/Score-Factors.aspx
FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal
