Do You Have a Fragmented Credit Report?

Personal Credit

There you are, humming along nicely, when all of a sudden the Finance and Insurance Manager (aka “The F&I Guy”) at a local car dealership tells you he pulled all three of your credit reports from the same credit-reporting agency.

Wait a minute: Three credit reports from one agency?

Of course, this makes zero sense and the knee-jerk reaction could be that you’ve been a victim of identity theft.  Don’t worry, fraud probably isn’t the problem.

Fragmented Credit Reports

If you’ve got more than one credit report at any one credit reporting agency, then you have what’s referred to as a fragmented credit report or, more informally, “dupes, duplicate files, frag files, or multiple files.” They all mean the same thing, which is that you’ve got a problem.


Fragmented credit reports are rare but can happen from time to time. The credit reporting agencies don’t house your credit report in their systems. Instead, they house billions of bits of data that are only compiled into a credit report when a lender (or another party) asks for it.

When the data bits (accounts, public records, collections) are compiled into a credit report, it’s possible they won’t all end up in the same single report belonging to you. They could end up on different reports, all belonging to you.

This happens for of a few different reasons. First, some credit reports do not have infinite size limitations. If your file is too large, the credit bureau cannot compile and deliver it, so it breaks it into two smaller and more manageable sizes.

Second, if you’ve changed your identification enough you could end up with two or more credit files connected by a common identifier, such as a Social Security Number.

For example, if you’re Sally Taylor and Sally Taylor-Smith and Sally Ann Taylor and Sally Ann Taylor-Smith, you might end up with duplicate credit reports. The credit reporting agencies can combine them but you’ve got to know about it before you can ask them to do so.

Fragmented Credit Reports are Bad for Your Credit Score

The bad news when it comes to multiple credit files is credit scoring. Credit scores are calculated at the file level, not at the consumer level. That means if you have 3 credit files at TransUnion, you’ll have three credit scores at TransUnion. And none of those 3 scores is likely to be accurate because they were calculated based on different data.

When credit files split and become fragmented, it’s very likely the information on those files will be different. So, for example, your Amex account may appear on one of your fragments files while your Bank of America account may appear on another.

Point being, fragmented files are not carbon copies of each other.

How Can You Avoid This Problem?

The file size issue can be addressed, well, by not having too much credit. Don’t get me wrong; I’m not talking about someone with a few credit cards and a bunch of mortgages.

I’m talking about someone who has scores of accounts on his or her credit report. It takes a lot to max out your credit file’s size, but I’ve definitely seen it happen.

The issue of multiple aliases causing duplicate credit files is a little different. If you get married, then divorced, then married again, etc…you could end up with duplicate credit files simply because you’ve changed your name.

But, when you change your name did you do so with each and every one of your creditors?

I can see that being easily forgotten, and eventually you could confuse the credit bureaus just enough that they end up with more than one credit report with quasi-accurate identification.

John Ulzheimer is the President of Consumer Education at, the credit blogger for, and a contributor for the National Foundation for Credit Counseling.  He is an expert on credit reporting, credit scoring and identity theft. Formerly of FICO, Equifax and, John is the only recognized credit expert who actually comes from the credit industry. The opinions expressed in his articles are his and not of or Intuit. Follow John on Twitter.