If you pull your credit report and notice that prominent accounts are missing from your file, you may have a split credit report. Should your credit file be split by a credit bureau, take steps to correct the information as soon as possible.
Facts
A split credit report occurs when a credit bureau has so much information on you that your credit file is split by the bureau's computer system. Another cause of a split credit file is if a creditor reports incorrect information on you that results in the credit bureaus assigning you a new credit file.
Considerations
A split credit report will result in you being assigned two credit scores rather than only one. Your credit scores will be based on the information present on each split report.
Warning
A split credit file can cause you to be turned down for credit that you deserve to be approved for.
Misconceptions
If one of the credit bureaus is reporting a split credit file on you, that does not mean that all your credit reports will be split. The credit bureaus operate independently, and it is unlikely that you will have more than one split credit file.
Prevention/Solution
Contact the credit bureaus immediately if you notice one of your credit reports has been split. Once the error is brought to the bureaus' attention, your credit report can be merged to ensure that your report and score are both accurate.
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