Experian’s Credit Scoring System Is Broken and Unfair

I am beyond frustrated with Experian’s completely flawed and misleading credit scoring system.

My credit score has been decreasing month after month, despite the fact that I currently have 5 active accounts, all in good standing with a perfect payment history. There is absolutely no logical justification for this, and it raises serious concerns about the credibility of Experian’s scoring model.

When I contacted Experian via their chat support, I was told that my score is being negatively affected by arrears on closed accounts. These accounts were settled and closed nearly a year ago. It is completely unreasonable and frankly unacceptable that issues on accounts that no longer exist are still being used so heavily against me.

What is the point of paying off accounts and maintaining excellent payment behaviour if Experian continues to punish consumers indefinitely? Your system clearly does not fairly reflect current financial responsibility and instead seems designed to keep consumers trapped by their past, no matter how much they improve.

This is not just frustrating — it is misleading and damaging. A credit score is supposed to be an accurate reflection of current creditworthiness, not a tool that ignores positive behaviour while amplifying outdated negatives.

I demand a proper, transparent explanation of how this scoring system works and why my active, well-managed accounts are not being given the weight they deserve. Right now, this system feels fundamentally broken.

Experian needs to urgently review and fix this, because as it stands, it is unfair, inconsistent, and completely unreliable.