MY
MY Y
1 reviews | Active since Jul 2014
04 Oct 2022, 16:20
Bad Experience with Experian
I have been paying my debt (debit orders going off) and yet they are not improving my credit rating ..... I'm in need of buying a vehicle but with a bad rating I can not get finance.
Helpful (0)
Replies (5)0
Replies (5)
Experian SA's replyOfficial
07 Oct 2022, 13:40Good day
Firstly, regardless of your credit score, you can take control of your finances and improve your score - starting now.
The best way to build and protect your credit score is to responsibly manage your finances and debt.
Here are a few things you can do:
·Always pay your bills on time and in full each month. If you can’t make a payment, talk to your lender and make alternative arrangements to pay back what you owe.·Don’t take out credit if you can’t afford the repayments.·Some lenders suggest that you should try to keep credit repayments between 20% and 30% of your income. So if you earn R5000 per month, you should try to keep your payments between R1 000 and R1 500 per month.·Don't make multiple applications for credit in a short space of time, as this will make you appear overly reliant on credit.·Regularly check your credit report to make sure it’s accurate and up to date.
If you manage your finances sensibly and only borrow what you can afford to repay, you’ll be in a good position to access credit at the best rates.
Regards,
Customer Relations Centre
Firstly, regardless of your credit score, you can take control of your finances and improve your score - starting now.
The best way to build and protect your credit score is to responsibly manage your finances and debt.
Here are a few things you can do:
·Always pay your bills on time and in full each month. If you can’t make a payment, talk to your lender and make alternative arrangements to pay back what you owe.·Don’t take out credit if you can’t afford the repayments.·Some lenders suggest that you should try to keep credit repayments between 20% and 30% of your income. So if you earn R5000 per month, you should try to keep your payments between R1 000 and R1 500 per month.·Don't make multiple applications for credit in a short space of time, as this will make you appear overly reliant on credit.·Regularly check your credit report to make sure it’s accurate and up to date.
If you manage your finances sensibly and only borrow what you can afford to repay, you’ll be in a good position to access credit at the best rates.
Regards,
Customer Relations Centre
Best regards,
Experian SA's reply07 Oct 2022, 13:40
Official
Good day
Firstly, regardless of your credit score, you can take control of your finances and improve your score - starting now.
The best way to build and protect your credit score is to responsibly manage your finances and debt.
Here are a few things you can do:
·Always pay your bills on time and in full each month. If you can’t make a payment, talk to your lender and make alternative arrangements to pay back what you owe.·Don’t take out credit if you can’t afford the repayments.·Some lenders suggest that you should try to keep credit repayments between 20% and 30% of your income. So if you earn R5000 per month, you should try to keep your payments between R1 000 and R1 500 per month.·Don't make multiple applications for credit in a short space of time, as this will make you appear overly reliant on credit.·Regularly check your credit report to make sure it’s accurate and up to date.
If you manage your finances sensibly and only borrow what you can afford to repay, you’ll be in a good position to access credit at the best rates.
Regards,
Customer Relations Centre
Firstly, regardless of your credit score, you can take control of your finances and improve your score - starting now.
The best way to build and protect your credit score is to responsibly manage your finances and debt.
Here are a few things you can do:
·Always pay your bills on time and in full each month. If you can’t make a payment, talk to your lender and make alternative arrangements to pay back what you owe.·Don’t take out credit if you can’t afford the repayments.·Some lenders suggest that you should try to keep credit repayments between 20% and 30% of your income. So if you earn R5000 per month, you should try to keep your payments between R1 000 and R1 500 per month.·Don't make multiple applications for credit in a short space of time, as this will make you appear overly reliant on credit.·Regularly check your credit report to make sure it’s accurate and up to date.
If you manage your finances sensibly and only borrow what you can afford to repay, you’ll be in a good position to access credit at the best rates.
Regards,
Customer Relations Centre
Best regards,
MY
MY Y's updateReviewer Update
07 Oct 2022, 14:23Please note that I have been improving my credit for 3 months now and my credit rating is showing good on my credit.co.za but yet you can not improve my rating. I'm not happy with it and the reply is a general reply - no investigation was done on my case.
MY
MY Y's update07 Oct 2022, 14:23
Reviewer Update
Please note that I have been improving my credit for 3 months now and my credit rating is showing good on my credit.co.za but yet you can not improve my rating. I'm not happy with it and the reply is a general reply - no investigation was done on my case.
Experian SA's replyOfficial
10 Oct 2022, 09:18Good day
Your Home loan account reflect as in arrears for 9 months and that will affect the score and will not improve.
Regards,
Customer Relations Centre
Your Home loan account reflect as in arrears for 9 months and that will affect the score and will not improve.
Regards,
Customer Relations Centre
Best regards,
Experian SA's reply10 Oct 2022, 09:18
Official
Good day
Your Home loan account reflect as in arrears for 9 months and that will affect the score and will not improve.
Regards,
Customer Relations Centre
Your Home loan account reflect as in arrears for 9 months and that will affect the score and will not improve.
Regards,
Customer Relations Centre
Best regards,
MY
MY Y's updateReviewer Update
10 Oct 2022, 11:08But I have been making eft payments although I the d/o did not go off. Surely that should have an effect. Who can I contact, where to sort this?
MY
MY Y's update10 Oct 2022, 11:08
Reviewer Update
But I have been making eft payments although I the d/o did not go off. Surely that should have an effect. Who can I contact, where to sort this?
Experian SA's replyOfficial
12 Oct 2022, 12:40Good day
Please send us your id copy, proof of residence and current statement for the account to log the dispute and investigate on your behalf.
Send the documents to ***
Regards,
Customer Relations Centre
Please send us your id copy, proof of residence and current statement for the account to log the dispute and investigate on your behalf.
Send the documents to ***
Regards,
Customer Relations Centre
Best regards,
Experian SA's reply12 Oct 2022, 12:40
Official
Good day
Please send us your id copy, proof of residence and current statement for the account to log the dispute and investigate on your behalf.
Send the documents to ***
Regards,
Customer Relations Centre
Please send us your id copy, proof of residence and current statement for the account to log the dispute and investigate on your behalf.
Send the documents to ***
Regards,
Customer Relations Centre
Best regards,