jrdejavux Posted July 12, 2007 Report Share Posted July 12, 2007 hello guys, tonight i updated my equifax report to find that everything has been deleted ! all my good accounts have been deteled ! but credit score still 730 any ideas what this could be ??? thanks Link to comment Share on other sites More sharing options...
Amerikaner83 Posted July 12, 2007 Report Share Posted July 12, 2007 split file perhaps?? Link to comment Share on other sites More sharing options...
jrdejavux Posted July 12, 2007 Author Report Share Posted July 12, 2007 i dont see a second file ?? Link to comment Share on other sites More sharing options...
Amerikaner83 Posted July 12, 2007 Report Share Posted July 12, 2007 YOU may not but THEY might.I'd search for "split file", "split report", or the like and read up. I've never experienced this but others have..... Link to comment Share on other sites More sharing options...
jrdejavux Posted July 12, 2007 Author Report Share Posted July 12, 2007 looks like its a split i will call them tomorrow, hopefuly it can be fixed Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted July 12, 2007 Report Share Posted July 12, 2007 You been pulling daily? Link to comment Share on other sites More sharing options...
CleverCynic Posted July 12, 2007 Report Share Posted July 12, 2007 Can't have a FICO score with no history. Much less a prime FICO. Link to comment Share on other sites More sharing options...
Quietman Posted July 13, 2007 Report Share Posted July 13, 2007 Oddly enough, the same thing has happened to me, just today. Yesterday, 33 accounts, 6 active, BK13 (discharged), 2 inquiries, etc. I've been pullnig dailiy.Today, NOTHING except two trade lines (recent accounts).I'll have to call and investigate too.Quietman Link to comment Share on other sites More sharing options...
Gr84kids Posted July 13, 2007 Report Share Posted July 13, 2007 Me too but mine is with TransUnion. Nothing on report at all. My credit score is 0 ....I was better off with 545...LOL. I just sent them a letter to add 20 good TL we will c what happens... I should have a score of 750 then ROFLMAO......At least I don't have to fight to remove the bad..... Link to comment Share on other sites More sharing options...
Quietman Posted July 13, 2007 Report Share Posted July 13, 2007 Ok, the two tradelines that are reporting I'm an authorized user. Both have reported just in the last day or so.My question is, am I better of amking a big stink with Equifax, I could send copies of my Equifax report from a few days ago, along with the new report, copy of my driver's liscence, etc to Vicki Banks and see if they restore it.OR, I could wait for my other accounts to report (between now and end of month) I could also write GW letters to some of my better, older tradelines and ask them to re-report as I'm preparing to apply for a mortgage.I don't think it will buy me much, as both TU and EX show my BK13 from 5 years ago, and I would answer honestly on the mortgage app about the BK.But this could be USEFUL for credit card apps.What do you gys think?Quietman P.S. Eq FICO was 698. Don't know what it is now as I've had a FA on the account (I initiated). Was doing a daily pull on TC, but more to check balances rather than *b as I only had 2 inquiries on EQ. Link to comment Share on other sites More sharing options...
Quietman Posted July 13, 2007 Report Share Posted July 13, 2007 Well, for better or worse, decided to send all the info to Vicki Banks and see if I can get my old report restored. I'll keep anyone posted who is interested.Quietman Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted July 13, 2007 Report Share Posted July 13, 2007 Well, for better or worse, decided to send all the info to Vicki Banks and see if I can get my old report restored. I'll keep anyone posted who is interested.Quietman Link to comment Share on other sites More sharing options...
teacherofec Posted July 14, 2007 Report Share Posted July 14, 2007 I can't seem to get a score or report from equifax and I haven't had one for 2 years now! I forgot about it and just started to work on it again. I called yesterday, noboby could tell me anything I left a message with some lady but she never called back. I don't know what to do now?? Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted July 14, 2007 Report Share Posted July 14, 2007 I can't seem to get a score or report from equifax and I haven't had one for 2 years now! I forgot about it and just started to work on it again. I called yesterday, noboby could tell me anything I left a message with some lady but she never called back. I don't know what to do now??do you have active tl's now? if what's going on here is split files, it scares me. Link to comment Share on other sites More sharing options...
pbaez Posted July 14, 2007 Report Share Posted July 14, 2007 i need a little help Link to comment Share on other sites More sharing options...
Master Debator Posted July 14, 2007 Report Share Posted July 14, 2007 i need a little helpif you have a specific question then you can start a new threadif it is a general my credit sucks help me i dont know where to start then read the stickeys here Link to comment Share on other sites More sharing options...
teacherofec Posted July 15, 2007 Report Share Posted July 15, 2007 Yes, I have tl's and scores for tu and ex but now I can't seem to get any response from Equifax. I don't know what to do about it either. Link to comment Share on other sites More sharing options...
Quietman Posted July 18, 2007 Report Share Posted July 18, 2007 Well, Equifax file completely restored today, all accounts, good, bad ugly and hideous. Vicki Banks at Equifax did a GREAT job! Thanks everyone for your encouraging words.Quietman P.S. Was nice to see a small bump in score from 685 to 696 as well! Link to comment Share on other sites More sharing options...
jrdejavux Posted July 19, 2007 Author Report Share Posted July 19, 2007 WWOOOOHHHOOOO everything back to normal here too Vicki Banks rocks took about a week ! now fight with Palisades ! Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted July 19, 2007 Report Share Posted July 19, 2007 Does anyone know if they delete all the soft pulls? Link to comment Share on other sites More sharing options...
Quietman Posted July 19, 2007 Report Share Posted July 19, 2007 While I know everyone is different, all the soft pulls appear to be on my "restored" report.Quietman Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted July 19, 2007 Report Share Posted July 19, 2007 Maybe they updated them to hard? Link to comment Share on other sites More sharing options...
Quietman Posted July 19, 2007 Report Share Posted July 19, 2007 Nope, still only two hard pulls with all the previous soft pulls.Quietman Link to comment Share on other sites More sharing options...
cryix47 Posted July 20, 2007 Report Share Posted July 20, 2007 Nope, still only two hard pulls with all the previous soft pulls.Quietman Did you contact Vicki Banks through email or snail mail? I have been having a major issue with my EQ. My dispute results came yesterday and 4 CO and 1 CA were deleted. I now have a clean EQ and am dieing to go on a spree buw whenever I apply for EQ CCs I always get an error of no Bureau File Link to comment Share on other sites More sharing options...
Quietman Posted July 20, 2007 Report Share Posted July 20, 2007 Vick Banks DID NOT remove any inquiries, soft or hard, from my Equifax report.What she DID DO was restore my report where 34 plus tradelines had been deleted (or disapeared some other way)Is that the kind of help you need her for?Quietman Link to comment Share on other sites More sharing options...
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