$#@!! split file UPDATE

[iluvcredit]

I noticed my accounts keep dropping off my TU report, so I called TU to see what was up and my file was split. One file was my real name, the other was my {{{shudder}}} *ex*-married name.

 

The CSR cheerfully merged the two files over the phone so now I'm dreading seeing the whole new file. The split one had dropped my one remaining medical collection and stupid Beneficial finance lines. Dang. If I had known that was the reason I never would have had them merged. Chances were probably really good they'd never pull the file for my ex-name.

 

Anyway, just an FYI for a confirmed reason for split file.

[Simpleisgreat]

How could you tell if they were split? I received in the mail the same file # but 2 separate reports. And my 2nd report had only my old / previous address and one account listed on it..

 

Just trying to determine if mine is split too.

[TeeSharice]

How could you tell if they were split? I received in the mail the same file # but 2 separate reports. And my 2nd report had only my old / previous address and one account listed on it..

 

Just trying to determine if mine is split too.

 

 

yep thats split

[Simpleisgreat]

When it is split like that, does the creditor possibly only pull 1 of the 2? or will they see the combined?

[TeeSharice]

When it is split like that, does the creditor possibly only pull 1 of the 2? or will they see the combined?

 

could be 1 or the other or both...ya never know.....

 

My TU is split...when I pull it with myfico, I get the original 2.....when I look at PG, it goves me a combo of the 2....I applied for credit and it seems they are getting the 2nd one( with all the good recent things) becsause I got approved & aint no way I would get approved if they saw the 1st one.

[iluvcredit]

I called them and asked them if it was split. The clincher was seeing that my new Chase card had reported to the other two but wasn't on TU. I thought that was weird, considering that Chase used TU to approve the app. So when I called I asked them if I had a split file.

 

dg, I think it's all a crapshoot as to which they'll pull.

[Simpleisgreat]

should i just leave it be? I already (2 weeks ago) disputed that address associated on the 2nd file... will i most likely now lose that positive tradeline when they delete the address? The positive is listed on both files... I hate to lose it as it is a 5 yr auto loan that was never late. Great tradeline.

[iluvcredit]

I don't think you would lose that TL automatically. I think you'd have to dispute it.

 

I just remembered--my medical collection and stupid Beneficial TLs were under an address that was deleted last year and dang if they're not all still on there! So your TL will probably remain.

[TeeSharice]

I don't think you would lose that TL automatically. I think you'd have to dispute it.

 

its happened....unfortunately they delete TLs associated with addys all the time

[iluvcredit]

That's only to other people, though. I couldn't possibly get that lucky!

[Simpleisgreat]

I hear ya. I got all my old addresses deleted, and quite a few of my good, hardy tradelines "dropped off".. and the "wonderful IIB's" stuck around.. go figure...

 

I have to fight all the way up to the Office of the President/Executive Liason's to get deletions and that is only because I become a royal pain the a^& to them by writing 1-2x a month, and a voicemail each week.. lol...

 

Maybe I'll send the others an Easter Basket.. wouldnt that freak them out to get a basket full of candy from a disputer.. LOL

[TeeSharice]

I hear ya. I got all my old addresses deleted, and quite a few of my good, hardy tradelines "dropped off".. and the "wonderful IIB's" stuck around.. go figure...

 

I have to fight all the way up to the Office of the President/Executive Liason's to get deletions and that is only because I become a royal pain the a^& to them by writing 1-2x a month, and a voicemail each week.. lol...

 

Maybe I'll send the others an Easter Basket.. wouldnt that freak them out to get a basket full of candy from a disputer.. LOL

 

You call that being a pain?? I got a few deletions by calling 5-6 times a DAY...emails, flooding fax machines,etc

[iluvcredit]

I don't think they'd eat anything out of that Easter Basket!!

[Simpleisgreat]

I hear ya. I got all my old addresses deleted, and quite a few of my good, hardy tradelines "dropped off".. and the "wonderful IIB's" stuck around.. go figure...

 

I have to fight all the way up to the Office of the President/Executive Liason's to get deletions and that is only because I become a royal pain the a^& to them by writing 1-2x a month, and a voicemail each week.. lol...

 

Maybe I'll send the others an Easter Basket.. wouldnt that freak them out to get a basket full of candy from a disputer.. LOL

 

You call that being a pain?? I got a few deletions by calling 5-6 times a DAY...emails, flooding fax machines,etc

 

 

LOL.. You win on that one then...

 

I'm on my last 3 negs... (2 HHBanks 1 Cap 1) and BK on EX/TU and I'm nearly done except for a few lates...

 

Currently writing HH Bank weekly, and planning to file against them on April 12 as I promised them. Been calling their OOTP weekly, they dont like me.. LOL

[iluvcredit]

Okay, this officially blows. I got my merged results and it went from 782 to 708. Crap. I'm going to dispute those sucky beneficial lines as not mine. I'm sick of looking at them and they are about 10 years old anyway.

 

I should have left well enough alone.