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Mayday, Mayday! EQ & B*/C*/EC & Lost Good TLs


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I need some serious guidance from the pros, so I listed Bob Wang in my tags, and this is a plea to all BIs out there! I'm facing some of those Unintended Consequences.

 

I'm losing closed, positive TLs -- they're dropping like flies. I use EQ's monitoring service, and I've read a ton about B* and C*, and I've got a pretty good grasp on the how and why. I am one of those who has not (for some unknown reason) ended up on the C* block, but I really wish they'd PUT me on it! I actually used that service, alone, to B* 13 INQs off of EQ last year. That's wonderful...right? Except that later in 2013, I started having issues with my file being too large, and I could no longer pull from EQ Complete. I made numerous calls, and EQ & the outside monitoring vendor both kept pointing the finger at the other one. Finally, when I was trying to cancel the service, someone panicked and fixed it, so that I could use the service again for daily pulls. I didn't use it much for a couple of months, but I'm in the middle of Why Chat's HIPAA program for my last two baddies, and I THOUGHT this issue was fixed...so I use the dang service I'm paying for! (Silly me... :blush2: )

 

Fast forward to this morning, and I realize my FAKO (yes, only useful to indicate change, and the 12 points caused me to look closely to find the issue) dropped because I lost 2 old Citi student loan TLs and an old paid auto loan TL (all perfect payment history.) Looking back at 2013-Q3, I've lost a total of 4 positive TLs from EQ -- all closed installment loans. The two SLs I lost today from Citi can probably be reinserted by Citi (closed in 2011 and still occasionally update) -- but I worked HARD to get several lates removed from those lines last year, and I want them back!

 

I'm planning to call EQ today to check AGAIN if it's a split file issue, but I'm betting they're going to tell me the same story -- it isn't a split file and STOP pulling your file so often. I told them the last time that they shouldn't sell an "unlimited pulls" service if they're going to admonish me for using it as such. It may come down to a complaint to the CFPB, because there is a specific option under the "submitting a complaint" section (sub-option under credit reporting) that is directed at credit monitoring services.

 

Your thoughts and suggestions...? :wave:

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as has been said ad nauseum...

 

B* doesn't cause a split file.

 

why?

 

the whole reason B* works is because EQ only holds 85 countable inqs. once you reach 85, you're B*ing older softs. pull every day for a year straight and you'll still only end up with 85.

 

your split file is another issue entirely.

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as has been said ad nauseum...

 

B* doesn't cause a split file.

 

why?

 

the whole reason B* works is because EQ only holds 85 countable inqs. once you reach 85, you're B*ing older softs. pull every day for a year straight and you'll still only end up with 85.

 

your split file is another issue entirely.

Yes, I've seen that info repeatedly. My challenge in dealing with these people is that they want to blame ME for any issues with my file, and it comes back to, "You're pulling your file too often, and it's too big." Then they point the finger at the other party (vendor vs. CRA) to address the issue.

 

I can give you the email address of a good EQ contact if you want. Just let me know. I actually found it by searching the old posts here though. :)

This would be very helpful...thank you so much. Can you PM it to me? I've never actually used the PM feature on CB, but I assume I can receive them. :blush2: Per the quoted post below, I may do the same and give them a couple of days to self-correct (ha!) But I'm skeptical, since one of the 4 missing ones was gone a couple of months ago. I didn't realize it until it happened en masse today and went looking for any other one-offs in the past.

 

This happened to me today, too. All closed positive TLs are now gone that were there yesterday! I'm going to wait a few days to see if EQ gets their head out of their a$$ and fixes their problem. If not, I guess I will have to call.

I may do the same, but my file indicates that it's not a brand new thing (see my comment above.)

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as I posted on another thread, I lost good closed TLs as did my GF today. :(

Okay, so it isn't just me, with respect to today. Maybe the one I lost a couple months ago was a fluke, and it was due to disappear next month, anyway. But today's are another ballgame. Thanks for the info!

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I have lost accounts too. They were there on my Feb 5 pull, but gone on by Feb 6 pull, only lost closed positive trade lines:

  • BOA HELOC Opened 10/2003
  • PNC Bank HELOC Opened 7/2004
  • Star1CU Auto Loan Opened 4/2005
  • Star1CU Auto Loan Opened 4/2005 (different loan, same date)
  • Wells Fargo HELOC Opened 8/2006
  • Wells Fargo Mortgage Opened 8/2006

Average account age from C$ dropped from 5.7 to 5.1 years and C$ says new negative reason for FAKO:

Lenders recognize that obtaining and maintaining a mortgage requires more skill and discipline than other account types. People who have mortgages and pay them on time see an increase in their credit worthiness.

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My AAOA dropped in half. Also of note, in EC they have a stat right above AAOA that says "Length of credit history." It used to say 21yrs 6 months (or something close to that). That history is about right as far as I can calculate. Now it say 9yrs. Somehow I got 12 years younger :blink:. I am curious to see how Morozov50's CFPB complaint turns out.

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We will see what a CFPB complaint does. I just submitted mine. It usually works pretty well with EQ for deletes, so crossing my fingers it works for re-inserting positive information.

I'm definitely watching for updates on this, but I will probably file my own in the interim!

 

I just looked at the AAOA details for me, and I learned that the one I THOUGHT I'd lost in 2013-Q3, I actually lost this past week on Feb. 1st. Then 3 more disappeared on the 6th.

February 1st. --> AAOA went from 5 yrs 2 mos --> 4 yrs 10 mos (lost paid auto loan)

February 6th --> AAOA went from 4 yrs 10 mos --> 2 yrs 10 mos (another paid auto loan & 2 consolidated student loan TLs that were transferred from Citi to SLM)

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My AAOA dropped in half. Also of note, in EC they have a stat right above AAOA that says "Length of credit history." It used to say 21yrs 6 months (or something close to that). That history is about right as far as I can calculate. Now it say 9yrs. Somehow I got 12 years younger :blink:. I am curious to see how Morozov50's CFPB complaint turns out.

Ugh. As it turns out, they can't take away my oldest TL, because its my student loan...I'll be paying on that until I die. :cry2: If they could take it away ALONG with the actual money owed, they could HAVE it!

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Give EQ a call first. Make sure you have a copy of your credit report showing all of the deleted accounts in front of you.

 

Yeah I actually called yesterday and went through with them tradeline by tradeline that was deleted. They basically said too bad call the creditor. We didn't delete anything the creditor did. I had to explain that i'd have more of a chance at finding sasquatch in the ocean than the chances that 8 different creditors all stopped reporting to EQ only on the same exact day. They just refused to adknowledge they did anything. What is funny though is they did say they were going through security updates on their systems yesterday, and it was taking them forever to pull up reports.

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I called up Equifax and ended up in their Fraud / Mixed (e.g. Jr. vs Sr. files are mixed up) Disputes Department after asking to speak to a supervisor and the person knew about this issue of lost trade lines since they had been warned to look out for these calls, although mine was the first they had received. They were told to send an email to the manual review department with the names of the tradelines and a contact number and the manual review would contact me in about an hour or two to work on the issue. He also gave me a direct number for his department which I won't post here so that it does not get changed right away due to being deluged with calls, but you can ask me for it in a PM and keep it secret. I hope they actually call me and resolve this. It is good that they are at least aware of the issue.

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Give EQ a call first. Make sure you have a copy of your credit report showing all of the deleted accounts in front of you.

 

 

 

Give EQ a call first. Make sure you have a copy of your credit report showing all of the deleted accounts in front of you.

 

Yeah I actually called yesterday and went through with them tradeline by tradeline that was deleted. They basically said too bad call the creditor. We didn't delete anything the creditor did. I had to explain that i'd have more of a chance at finding sasquatch in the ocean than the chances that 8 different creditors all stopped reporting to EQ only on the same exact day. They just refused to adknowledge they did anything. What is funny though is they did say they were going through security updates on their systems yesterday, and it was taking them forever to pull up reports.

 

I called EQ just now, so I could say I've done my "due diligence" -- the rep seemed to understand my issue, but he then made a very wrong referral. He sent me to the Global Business Solutions HelpDesk...I'm not a business subscriber to EQ, obviously. That lady (in the US) told me that the OC would have to make the complaint to EQ, if anyone at EQ was going to really look into the matter. So I'm about to email the Global Consumer Affairs contact I received yesterday...just as another item in my "list of things I've tried" before filing with the CFPB.

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I called up Equifax and ended up in their Fraud / Mixed (e.g. Jr. vs Sr. files are mixed up) Disputes Department after asking to speak to a supervisor and the person knew about this issue of lost trade lines since they had been warned to look out for these calls, although mine was the first they had received. They were told to send an email to the manual review department with the names of the tradelines and a contact number and the manual review would contact me in about an hour or two to work on the issue. He also gave me a direct number for his department which I won't post here so that it does not get changed right away due to being deluged with calls, but you can ask me for it in a PM and keep it secret. I hope they actually call me and resolve this. It is good that they are at least aware of the issue.

Can you send me that info privately...? I'd like to be sure they keep this issue on their priority list (somewhere) and work with you all to see a remedy. Thanks! :wave:

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I called up Equifax and ended up in their Fraud / Mixed (e.g. Jr. vs Sr. files are mixed up) Disputes Department after asking to speak to a supervisor and the person knew about this issue of lost trade lines since they had been warned to look out for these calls, although mine was the first they had received. They were told to send an email to the manual review department with the names of the tradelines and a contact number and the manual review would contact me in about an hour or two to work on the issue. He also gave me a direct number for his department which I won't post here so that it does not get changed right away due to being deluged with calls, but you can ask me for it in a PM and keep it secret. I hope they actually call me and resolve this. It is good that they are at least aware of the issue.

Can you send me that info privately...? I'd like to be sure they keep this issue on their priority list (somewhere) and work with you all to see a remedy. Thanks! :wave:

 

Thanks, Menta -- I don't have much more to add than you already did. The number you sent me via PM was actually to the general disputes department in the offshore call center. He did the same thing for me -- transferred me to a US call center for special handling of disputes. She was very nice and took all the info down regarding the lost TLs, and she confirmed it's a known issue. Same story: They're working to re-add them, and I'll get a phone call when it's been done. She said the call would be to confirm it was fixed and to arrange to have an updated copy of my file sent to me...that last part sounded like speculation on her part, because she was trying to be accommodating. I'll update with any changes -- have an appointment I need to run off to now.

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I lost 2 very old positives from EQ last summer, 4 years early, and it hurt my score. But they were both Chase cards and EQ gave me the "talk to the creditor" line so I put it down to the general evilness of Chase.

 

But if you guys are successful I think I'll try to get them back. A long shot no doubt, but you never know...

 

You're more likely to succeed since your deletions are more recent. Good luck to both of you! :good:

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Note I got super chopped on the same day and lost the one per month normally retained in your softs! I also lost a sticky hard that would have fallen off soon anyway dated March 2012.

How did this happen to you?

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Note I got super chopped on the same day and lost the one per month normally retained in your softs! I also lost a sticky hard that would have fallen off soon anyway dated March 2012.

Same here, on both accounts! Super chopped AND 1 mortgage hard from Jan 13.

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