The Credit Repair Blog

I logged into my True Credit account for my daily pull and was greeted with a quite unwelcome surprise. About half of my positive tradelines had disappeared. I was aware that daily pulls often caused peoples files to split I never thought it would happen to me.For those of you who don’t know what a split file is let me explain it as simply as possible. Every individual with a credit file takes up a designated amount of space on Transition’s vast collection of computers. As you may have seen when looking at your report, every time you pull your credit it is noted towards the end of the report. Unfortunately too many of these cause a credit file to exceed the amount of space designated by the computers at Transunion. When this happens the file is split into two smaller files. Unfortunately you have no way of knowing which version a potential creditor will see and it more than likely leads to a decrease in your score. Bad News.I called the good folks at Transunion this morning and spoke with the Special Handling Department. I was assisted by a friendly rep named Anne who assured me that the file would be merged and fixed before the end of the week’ most likely in a couple of days. I’ll post about it just as soon as I get a resolution.