I have not been able to get my EQ report online for 2 weks now and tested a litte theory of mine and it seems to have worked. I noticed that when I could not get access to my EQ report online and I then I applied to creditor who does normally pull EQ and I found that they could not get my report either. In fact, one lender told me that Eq reported to them that I have no file. What I also noticed that if they normally pull EQ for instant approval, you did no get a instant response and that they pulled either TU or EX. I have only tried it a few times once with AMEX and Discover and both times they pulled EX, when they normally pull EQ for my area. So if you have a good report on TU and/or EX and there is card you were trying to get and they normally only pulled EQ, I would go and give it a try now. But make sure to try and see if you can get access to your report first, if you can then don't bother, but if you can't, try it . Cypri
ooh, i need eq, that is my best and i just applied for cu loan. i just hope that they do not pull tu, my worst report!
If you cannot get access to your EQ report online now then it is highly likely neither will the creditor, Eq has been down for 2 weeks now and i can't even get a new score with them so this maye your opportunity or missed opportunity as uniondiva reminded me. Cypri
I have not had any problem with Equifax lately. I am suscribed to the Monitoring service and it has been working fine for me.
That is strange because I have not been able to get a new report at all and I subscribe to the fico score and I have two remaining reports and can't get a new one, could not even subscribe to Credit Watch. I have tried for others in my household could not get their reports either, so who knows what is going on at EQ. But like I said if you cannot access your report on Eq, then it is highly likely the creditor cannot either, I have already tried it and they have pulled EX for me when I know they normally pull, EQ. Good luck Cypri
Re: Eq is down:this maybe time to a Cyprigirl, I had a similar problem, and I found out the reason... Get ready for some convoluted stuff... I subscribed to Credit Watch as well as Score Power. They worked for me for a long while, but one day I went to pull my score and nothing happened. I then tried to pull a Credit Watch report (one of the 6 they give you for the year), and nothing again. I then waited a couple of days, thinking I had simply signed on during a glitch, and tried again. No dice. I called customer service, and they escalated it and couldn't tell me what the problem was. AT THIS POINT I WAS FRUSTRATED AS HELL, LOL. After all, I'd paid for the products, but they weren't working for me. So I went bananas. I called and REALLY GOT TESTY WITH THEM. :-D Someone called me back and said something along these lines (paraphrase): "Well, we think we know the problem. It seems that you have an incredible number of soft inquiries -- like 160 of them. Many of them are inquiries from where you have pulled your own report during disputes. Some are the once-weekly soft inquiries from Privista. Regardless, this is a bug in our system -- you've got so many soft inquiries that our server isn't parsing and delivering your reports and scores as it should." On the one hand, I was happy to hear something in the direction of an explanation. On the other hand, I was still pissed. I then called our local Equifax affiliate and told them the problem. They had never heard of this before but set to work deleting a bunch of soft "Equifax" and "ACIS" and "Choicedata" inquiries. Once they removed about 50 of them, I tried the web site again, and everything worked fine. Now, I realize that this may not be your problem at all. I also realize that it's really EQUIFAX'S REPONSIBILITY TO FIX THE PROBLEM rather than mine. Regardless, I navigated my way through the system to a solution (of sorts). Moral of the story: their web servers aren't entirely bug-free, but that doesn't mean "Equifax is down" for two weeks. (Believe me, Equifax doesn't go down for two weeks. There's a dirty joke in here somewhere, by the way, but I won't go there.) I hope this helps. Doc
Re: Eq is down:this maybe time to a Thanks Doc for clearing it up and I will let your comments slide on this one Equifax has the poorest online service of all three and I wish they would get their act together. Although your theory may apply to me as well, because during the process of cleaning up my file, I incurred tons of inquiries, but I could not access reports for others in my household, which led me to think that Equifax was all the way the down for two weeks! Cypri
Re: Eq is down:this maybe time to a But it is still possible that a certain consumer's EFX file would be inaccessible for a while, in which case Cypri's theory can yield positive results. Saar
Re: Eq is down:this maybe time to a I can't see there would be any positive results. If a file could not be found, that is an instant decline. They are not going to keep running different bureau reports untile they find the file.
Re: Eq is down:this maybe time to a If after they get "no file" from Equifax they proceed to check Experian or TU which may be better reports than your Equifax report....hint hint. -Peace, Dave
Re: Eq is down:this maybe time to a I doubt it gives a "no file" output. There's probably a different output, along the lines of "file inaccessible right now". Saar
