OK - I discovered back in Feb. (while car shopping no less) that my equifax file could not be accessed by lenders because it was being split. It took about 2 weeks for them to split the file and restore access. Since then, I haven't had any problems - UNTIL YESTERDAY I have creditwatch - and I've been pulling my report at least once a week for months. Yesterday, when I pulled my report I got one back that was showing only two student loan accounts designated as "too new to rate". No credit score available. Hoping it was a fluke I tried again today. Same problem. Has this happened to anyone - do I have any hope of waiting this out or do I have bite the bullet and call them?
Well, one file could hold LOTS of text, if the database it was residing in were designed for it in the first place. The whole split-file disaster seems like the result of trying to work around the problem instead of fixing it.
I agree. Of course their files should be able to accomodate someone's entire rpt. It's a gross programming error. Same w/ the name change. There should be a relational database to link and combine the reports. It seems like EQ can't keep up w/ managing their info. Look at all the problems people are having w/ the EQ online product. Also the deletions coming back on files. I believe that most of that is computer error too. If they want to be a world class company, they need world class software. These problems happen far to many times for there to be any excuse not to upgrade their act. Equifax if you're reading this, take heed.
