I WAS HAVING PROBLEMS WITH VIEWING MY ONLINE REPORT FROM EQUIFAX BECAUSE THEY SAID MY FILE WAS TOO BIG, SO IT WOULD NOT LET ME CHECK MY CREDIT ANYMORE. YESTERDAY I DISPUTED 5 THINGS. TODAY I TRY TO DISPUTE MORE BUT THEY TELL ME IT IS NOT ON MY CREDIT FILE. I THEN ASK THEM ABOUT STUFF THAT WAS DISPUTED YESTERDAY AND THEY TELL ME THEY CAN'T FIND IT AND IT WAS PROBALLY DELETED. I ASKED THEM IF THIER WAS A SECOND FILE AND THEY TOLD ME KNOW. I THEN SAY HAVE A NICE DAY (LOL) I CAN'T BELIVE ABOUT 20 NEGATIVE ITEMS AND 16 GOOD TRADELINES ARE GONE. I LOGGED ON TO EQUIFAX AND IT LET ME RUN A CREDIT REPORT. IT SHOWS I HAVE 3 INACTIVE TRADELINES FROM 6 YEARS AGO AND THAT MY SCORE IS 782.THIER IS NOTHING ELSE ON MY REPORT EXCEPT 10 INQUIRIES (I HAVE NEVER BEEN SO EXCITED, SINCE MY SCORE WAS SO BAD I IMMEDIATELY APPLIED FOR A SEARS MASTERCARD AND GOT APPROVED FOR $2,800) HOW CAN THIS BE? WILL THEY FIX IT? CAN I SUE THEM IF THEY PUT IT BACK ON MY REPORT? I WOULD LOVE TO HEAR SUGGESTIONS ABOUT THIS CRAZY STORY. I'M HAPPY, CONSIDERING MY SCORE IS GOOD AND I HAVE NO NEGATIVE INFO ON MY FILE.
Love it. That is a great story. Don't think about re-insertions unless they happen...why waste the happy dance time Congratulations. -Peace, Dave
I don't know if it's related, but disputed an entry on my wife's report and it was deleted in 3 days... I know from trying to dispute my own stuff, it's not normal.
IF THE FILE HAS BEEN SPLIT IN 2, WHY CAN'T THE CREDITORS THAT PULL MY CR SEE THE OTHER STUFF? ALSO WHERE DID MY DISPUTES GO?
Thats great!!!!! I surprised that SearsCL is so low. With that score, you should go after the prime of the prime CC's. Charlie
Congrats!!! There's quite a few of us that would love to have happen to us what happened to you. I wouldn't be surprised if any of it came back, but I would take advantage while I can. What I mean is get some good credit cards and take care of them!!! Make sure you make your monthly payments and don't get behind again!! I doubt the file is split in two, because when you got your score it was a 782. If all the negative stuff was still in there (hidden or whatever) your score would remain the same as before. The CRA's have screwed up so many times for the worse it's a relief to see that every once in awhile it can happen for the better. scott
Don't want to burst your bubble, but they split your file.... you really have two files now... you can only access one online, but if a creditor pulls a report, they will get both. Regular customer service line never seems to know how to deal with this. They just make excuses. I promise you that all of the information, positive and negative is still there... creditors will get both. I would suggest that you contact Robin Holland's department (do a search here), explain the situation and work with them to recombine the files.... maybe you can talk your way into a few deletes at the same time... the people in this office can actually edit the file online... they don't have to wait for disputes. Sorry, but GOOD LUCK!
anomaly847, Why would the creditors get the 700+ score, and not the ones with all the derogs? Charlie
Sorry but if that is NOT crap, that is a CLEAR violation of the FCRA and allowing the consumer to view the information CREDITORS SEE on his/her report. I believe it is crap that they have 2 files on you. If so, I believe it would be a mistake, and one that would probably be difficult to fix. Or I have heard Equifax sometimes CLOAKS information currently in dispute, and it may re-appear. But not a second super secret file. Why would they give the $2800 credit card to someone with 36 derogs on the report they were viewing. Tell ya what...if they have information on me that I did not see when I pulled my report, but showed that information to a creditor of mine (or anyone else for that matter)...I would own them. -Peace, Dave
Nice thing about EQ if that it is a true FICO score which ignores any items in dispute. That's how people can create a fake score by putting all negatives in investigations before pulling their FICO. Some online approvals use FICOs or heavily weight the score in their approval system. They still will get a copy of both reports. Many creditors seem to be relying less upon FICO for online approvals. The 700+ score is developed from the first credit report... doesn't seem FICO would ever search for a second file for scoring, but it is delivered to the creditor none the less. Hope this explains it.
GOOD QUESTION. WHY DID I GET APPROVED FOR CREDIT AT THAT SCORE. I ALSO WENT TO MY BANK FOR A CAR LOAN AND THEY PULLED MY REPORT UP AND IT SHOWED ONLY THE 3 TRADELINES. THEY SAID THEY DID NOT HAVE A SCORE BECAUSE OF NO NEW TRADELINES. THE CSR AT EQUIFAX CAN'T FIND ANYTHING. WHEN I GIVE THEM AN OLD REPORT NUMBER THEY SAY THIER IS ONLY 1 DISPUTE AND THAT IS FROM TODAY. I AM DISPUTING 1 OF 3 ACCOUNTS BECAUSE IT IS A DUPLICATE. EVERY OLD REPORT NUMBER I GIVE THEM, THEY TELL THIER IS ONLY 1 DISPUTE AND THAT I ONLY HAVE 3 TRADELINES ON THIER. WHEN I LOOK AT MY INQUIRIES THIER ARE 8 HAR ONES. THIER REALLY SHOULD BE 40. MAYBEE THEY ARE IN THE PROCESS OF SPLITTING THE FILE. IF THEY DON'T SAY SOMETHING, WHY SHOULD I, IT'S BETTER FOR ME. I HAVE A CLEAN REPORT. I WILL GET NEW CREDIT IT AND START FRESH THEN I WILL BE MORE RESPONIBILE.
I JUST SIGNED UP WITH PRIVISTA. PRIVISTA PULLS A EQUIFAX CREDIT REPORT BUT SCORES IT ON CREDIT EXPERT. THEY TELL ME THAT MY SCORE IS 782 AND IT IS VERY GOOD. I STILL HAVE THE SAME 3 TRADELINES ON PRIVISTA. NOTHING SAYS IN DISPUTE. WHEN I HAD MY ORIGINAL EQUIFAX CR I HAD A SCORE IN THE LOW 500'S THEN WHEN I DISPUTED IT I HAD A SCORE OF 667. THIER IS NO WAY MY ORIGINAL CR IS FACTURED INTO THIS ONE. MAYBEE IT HAD TO DO WITH LETTER I SENT THEM ABOUT INQUIRIES. I TOLD THEM IF THEY DON'T FIX IT I WILL SUE. I CALLED THEM YESTERDAY AND THEY TOLD ME THEY WILL NOT AND A CR WILL BE MAILED OUT TO YOU SOON. I SAID WHY SOON, YOU RECIEVED THE LETTER 3 WEEKS AGO. SHE SAID I DON'T KNOW. I TOLD HER IN THESE EXACT WORDS "YOU ARE VIOLATING THE FCRA BY NOT LETTING ME DISPUTE FALSE INFORMATION ON CREDIT REPORT. I WILL HAVE YOUR JOB TAKEN AWAY AND I WILL HAVE ALL THE MONEY THE COMPANY MAKES WHEN I FILE A LAWSUIT." SHE THEN HUNG UP ON ME. MAYBEE THIS HAS TO DO WITH THIS. WHEN I CALLED TODAY, THE LADY TOLD ME THAT A REPORT WAS MAILD OUT YESTERDAY ON MY DISPUTES. I AM INTERESTED TO SEE WHAT IT SAYS. SOMEBODY PLEASE HELP.
Like I've said... the normal 800# customer service at Equifax can not answer any questions about split reports nor can they fix them. You have to contact Robin Hollands office.
