Should I "Merge" My Files as Transunion Suggests?

[Burt L.]

I ordered my credit report from Transunion, and I received two different reports under the same social security number, one with my middle initial and one without. Their scale is from 501 to 990 and I have one with a 680 (Low D) and one with a 856 (High B).

In conversation with their representatives, I was told that I have too many credit account histories, and so a second "file" has been created under the same SS number. It only has one credit account (a BOA card) and thus not enough credit history info for a better rating. I was informed that some creditors with less-sophisticated credit analysis systems might not see what is going on.

They have suggested I merge the two files. I knew I should ask those more informed about credit before accepting their suggestion. I certainly wouldn't want to drag the better credit rating down.

Has anyone heard of one having more than one file and should I follow their suggestion? II suddenly see I should look into how Experian and TRW are reporting my file.