Why do MANY of my accounts not show up on EQ?

[Stugotsv10]

My  Home depot, Chase, Discover and old navy as well as my sears mastercard (not the store card) simply do NOT show up on my EQ report, I called the companies they claim they report to all 3 but never shows up and evry billing cycle I check again...

1. how can this be?

2. What can I do about it?  its not like they DON'T report to EQ, they claim they DO.

[Hex]

It’s possible your Equifax file is split. You might have 2 files each with part of your data. It happens if your file exceedes Equifax’s max file size. It happened to me because i had about a billion soft pulls on my report. It’s a nightmare to get fixed. Do you have tons of soft inquires from credit monitoring services? That’s what did it to me.

[Thomas_Thumb]

^ Agreed, a split file might be the culprit. Others with 1st hand knowledge can comment on how to confirm split file status. I know this can happen for multiple reasons not inquiry specific.

[19eighty5]

@Hex - I have never heard of this happening due to size of file. How did you find out that your file was split? Also, did the split file impact your score?

[Stugotsv10]

No very very very few inquires at all soft or hard... can I ASK them if I have a split file? will they tell me? 

[Hex]

I figured it out by reading other posts here. Other people posting about accounts not reporting but they usually had many sp’s from credit monitoring services. I think it can happen just because you have a super thick file as well. I called and told them multiple times what the problem was but they wouldn’t listen until I had made at least 5 or 6 calls. I spent probably 40 hours on the phone on hold and being sent to various offices and departments. They had to do “account maintenance” and manually remove all excess sp’s. It took at least a month and I ended up complaining to the CFPB. You should search this site for info on split EQ files. I would call them and tell them you think your file is split. When my file was split I couldn’t sp for monitoring or HP for apps. I hope your file isn't split OP.

[Hex]

It didnt effect my scores because they couldn’t be pulled however once it was fixed but before my accounts were all updated it resulted in a one month delay of my only card with a balance reporting and that cost me about 15 or 20 points until everything updated. Then I got my points back.

[Hex]

http://ficoforums.myfico.com/t5/forums/searchpage/tab/message?q=equifax+split+file

[Anonymous]

Also....

https://www.creditkarma.com/advice/i/what-is-split-file-credit-report/

https://ficoforums.myfico.com/t5/General-Credit-Topics/How-Mixed-Split-Credit-Files-Happen-and-What-...

https://www.google.com/search?q=+split+file+credit+report&ie=utf-8&oe=utf-8&client=firefox-b-1

Read many articles, print out the best ones, highlight key passages, take notes, and create a paper folder that contains your research.  Then you may need to contact EQ after you have researched next steps.

Always be very friendly with every customer service rep even if they seem to have no idea what a split file is or if they seem unhelpful.  Be prepared to call multiple times over a few weeks till you finally find someone who understands.

[AndySoCal]

I would also check your name address and SSN are the on those accounts as they are on the ones reporting on the Equifax credit report.  Split files in general are caused most of the time by name, address and SSN issues. The credit bureaus do not identify you by SSN alone they use name address (current and former) and SSN and generation code (if any IE JR Sr etc).