Inaccurate Credit Rating

Item: Experian SA
Rating: 1
Author: Phumelele K

I logged a dispute with compuscan on my credit score. I have no missed payments, judgements or any bad credit on my profile but I am identified as very high risk.

I have queried this a number of times and it seems no one can explain why!!!

I have queried my credit status with Transunion and ClearScoren as well. On both I have a very good credit score which makes sense based on my profile.

The lady I spoke to previously from compuscan told me to not compare their results with others because they don't use the same logic to build a credit score. Even so, the discrepancy is too much!!!

I pay my accounts on time I have no missed payments in the past 24 months I pay more on some of my accounts I have no judgements against me my debt-income ratio is fair

Someone please explain to me how you got to that risk profile!!!!

Phume

Helpful (0)

Replies (3)

Experian SA's replyOfficial

17 Jul 2018, 13:28

Good day

We appreciate the time taken to notify us of your dissatisfaction.

Please give us the opportunity to resolve the matter. We will contact you shortly to address the complaint.

Kind regards,

Experian SA's reply17 Jul 2018, 13:28

Official

Good day

We appreciate the time taken to notify us of your dissatisfaction.

Please give us the opportunity to resolve the matter. We will contact you shortly to address the complaint.

Kind regards,

Phumelele K's updateReviewer Update

25 Jul 2018, 14:01

Hi I logged a dispute regarding a clarification why I am regarded as very high risk. I spoke to a gentleman who told me you "sent" me an email around how my score is calculated. An email I still haven't received. I don't need education on how a score is calculated, I know hence my good credit behavior. I need an explanation on why I am regarded as high risk. I need you to highlight on things I am doing bad on my profile so I can correct them. As mentioned previously, I have queried Transunion and clear score as well for the same. On both places I have a good credit score, which makes perfect sense. Can I get a competent answer please!!!! And please don't give me generic answers. You have access to my profile, give me specifics!!! Kind regards, Phumelele

Phumelele K's update25 Jul 2018, 14:01

Reviewer Update

Experian SA's replyOfficial

26 Jul 2018, 09:38

Good day Phumelele

I have logged your query for further investigation and will revert back to you soonest

Regards,

Experian SA's reply26 Jul 2018, 09:38

Official

Good day Phumelele

I have logged your query for further investigation and will revert back to you soonest

Regards,