Okay, TU
nEX and show that I have opened 30 closed accts and 22. EQ now shows that I have an acct closed and open 22nd Is this hurting my EQ score, or vice versa?
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Reply:Thanks IHCA's that makes me feel more sonfident in getting a decent APR rate
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Reply:I doubt there's much, if any, difference in a car loan rate for a 680 vs a 700 FICO score.
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Reply:Thanks a million Direred
Reply:There's really no way short of suing EQ and even that might not work. Plus, they lock your file when you sue them and NO ONE can get it, not even you, because they'll tell people you have "no file" — which means no FICO, either.
See Spector v. Equifax as a case, which can be found linked from here (http://infinitecredit.com/forums/showthread.php?t=2080).
Reply:Well I have a FICO of 680 with EQ then what could help me raise that score ? I mean to me too reach 700 means a big difference in a car loan rate !! Is there anything I can do with my EQ report ? Any suggestions ? or should I just leave it alone ? Thanks !!
Reply:It probably is hurting your EQ score some, but in my case, I've lost a total of 11 FICO points when 12 tradelines dropped. In other words, it wasn't a catastrophe.
Reply:So Direred its nothing for me to worry about then is what your saying. Its similiar to the way your file can be split when you have to much information on your report ? As long as its not hurting my score I can live with that. Thank you MA'M…:mrgreen: Got it right that time !!
Reply:Hurting your EQ score.
Your file is likely too big for Equifax. I have 40 tradelines on EQ, 53 on EX.
March 25th, 2011 
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