My Transunion file is ultra-thin compared to my other 2 credit reports. Apparently I have what is called a "split file". My question is should I call TU and have them combine the files which is missing roughly 12 accounts(including 2 mortgages) all paid on time and currenly active or is it better for acquiring new credit purposes to leave it the way it is? Any advice would be appreciated...
Apexcrsrv, The other accounts don't have derog information however it is my strongest credit scoring file but shows the least amount of debt-accounts. Whenever I apply for a an account and they pull TU 90% of the time I get approved. This recently happened with B of A. Im a little nervous that once all the other debt shows up it may lower my chances of getting approved. I do have extensive debt experience as the file was opened in 1990 it just has little active tradelines. Please advise.
