How to Fix Split Credit Files

A split credit file occurs when a credit bureau's system becomes overloaded with too much credit information about you. Should you have an uncommonly large number of accounts, it is possible that your credit report will "split." Should this occur, you will possess two different credit reports for a given credit bureau that both contain different information. A split credit file can be a problem when you apply for a loan or line of credit. Because your credit report is scored based on the information contained within your credit file, you will have two different credit scores, both of which will be inaccurate. This may result in a lender turning down your application.

Instructions

1

Request a copy of each of your credit reports from the credit bureaus: Equifax, TransUnion and Experian. Review the reports carefully to make sure all of your accounts are present. If you notice numerous accounts missing from one of your credit reports, you may have a split credit file. It is possible to have a split credit file with one credit bureau while the remaining two credit files are correct.

2

Write a letter about the problem to the credit bureau that is reporting the split file. A split credit report is considered a major inaccuracy. The Fair Credit Reporting Act requires all credit bureaus to investigate all consumer complaints concerning credit reporting errors.

3

Include a copy of the credit report that you believe to be split. If your other two credit reports are accurate, include a copy of each to demonstrate the accounts that are missing.

4

Wait 30 days for the credit bureau to investigate your claim of a split credit file. During this time period, the credit bureau should be able to combine your personal information and accounts back into one credit report. You will then be mailed a copy of the updated and complete report to review.