It happens mostly with EQ, when your file gets really big, whether from having lots of accounts, lots of softs from checking your own credit, or both.
It's fixable, but it's a PITA, and it does take a while. Your best bet is to print out a full report, ideally one that's straight from EQ, and hang on to it. If your file does split, you can fax it to them, and they can use it to help glue the thing back together.
* 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