I go to pull my EQ report this morning and all looks well like it did for the past few weeks. So I click on the score option to see my score and my score today is 70 points LOWER than two days before. NOTHING has changed on the report. HOWEVER I go to look at the reason for the score and see new excuses and something about 1 collection (I didn't have any for awhile). I click on the link to the "negative items" and it has all OLD deleted information in the negative items list but they are being factored into the score!!! Again, on the credit report the old deleted information does not appear but if you go to the "negative items list", all deleted accounts are in there! What the hell is going on. Can someone pull there EQ report and confirm the same thing is happening to them.
Well, I can't get today's yet for two more hours, but I relooked at yesterday's and my score is still the same, and its not listing old deleted negs. I would call EQ and ask them why in HADES there is ANY record of these deletions for FICO to pick up since they have been deleted. Of course I'm tempermental, others may offer you more prudent advice. If I'm still home around 1 today I will repull and let you know. Sorry!
Equifax has changed my DOB to 9/14/1922 !!!!! Even worse.... Now EQ pulls up two files when they place my social security number.! It can't be a split file.... I don't even haev alot of information. This is HORRIBLE! Very Horrible. I'm supposed to close in 23 days.
Ahh, so you and Dave LV are now the same age. Did EQ pull up two files by calling, or Creditwatch. LKH (I believe) had a similar problem just before he closed. A couple of very threatening emails got the job done. Ya know this is very very scary. How long have these been deleted? Why are they still in a cue anywhere in their system?
Well I initially pulled my report and noticed there was NO change in my tradelines but the score tanked almost 80 points. A closer look into the "accounts summary" showed current accounts and accounts which were deleted months ago. I call EQ and they state they can pull up two files for me! This is so outrageous.
Generally when your file is split and EQ, you won't get 2 separate reports. You will get 1/2 of a report--i.e. some of your data is on your report and the rest is missing. If you have 2 separate reports, that probably indicates some type of strange comingling of your file at EQ. I know about split files. Between my DH and I, it has happened 3 times in the last year!
