LM
Linnert M
1 reviews | Active since Dec 2014
18 Jun 2019, 20:47
Messed up compuscan. THEY ARE RUNNING A CIRCUS
How is it possible that you and Experian hold different data but you are partners?
My score is average on compuscan and poor Account conduct on Experian? It's amazing how you justify , unrealistic scores descrepency, when it comes to you answering that you mumble. You are a joke. Why should it take immediately for someone's score to drop but 3 to 6months to accumulate positive score? You are a joke. I still want my score up, I'm sick of you messing us up
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Experian SA's replyOfficial
20 Jun 2019, 10:29Good day Linnert
Whilst Compuscan and Experian are partners, they are still in the process of merging their databases, which is a huge undertaking and naturally takes time.
Having said that, note that whilst different credit providers use different scores that are developed for them by credit bureaus, depending on their risk profiling preferences, the most important factor across the board is how well you have repaid your accounts. Where accounts have gone into arrears, the score is affected in the worst way possible (remember, this is the most important scoring factor) and the damage cannot be undone by simply paying the accounts in full. You are expected to pay your accounts – how well you do it is the defining factor.
Whilst there are a lot of factors that go into a credit score, the general bottom line for determining scoring is: 1. Does this person have a history of repaying their accounts well? 2. Are they using the revolving credit at their disposal in moderation, or is it being "maxed out". 3. Are they accessing new credit frequently/in quick succession.
You have done well to settle your accounts. You will now need to re-build your score. Our consumer care team has spent a lot of time giving you the necessary information on how to achieve that. We wish you all the best on your journey!
You have the option of referring the matter to the National Credit Regulator and/or the Credit Ombudsman.
Kind Regards,
Whilst Compuscan and Experian are partners, they are still in the process of merging their databases, which is a huge undertaking and naturally takes time.
Having said that, note that whilst different credit providers use different scores that are developed for them by credit bureaus, depending on their risk profiling preferences, the most important factor across the board is how well you have repaid your accounts. Where accounts have gone into arrears, the score is affected in the worst way possible (remember, this is the most important scoring factor) and the damage cannot be undone by simply paying the accounts in full. You are expected to pay your accounts – how well you do it is the defining factor.
Whilst there are a lot of factors that go into a credit score, the general bottom line for determining scoring is: 1. Does this person have a history of repaying their accounts well? 2. Are they using the revolving credit at their disposal in moderation, or is it being "maxed out". 3. Are they accessing new credit frequently/in quick succession.
You have done well to settle your accounts. You will now need to re-build your score. Our consumer care team has spent a lot of time giving you the necessary information on how to achieve that. We wish you all the best on your journey!
You have the option of referring the matter to the National Credit Regulator and/or the Credit Ombudsman.
Kind Regards,
Experian SA's reply20 Jun 2019, 10:29
Official
Good day Linnert
Whilst Compuscan and Experian are partners, they are still in the process of merging their databases, which is a huge undertaking and naturally takes time.
Having said that, note that whilst different credit providers use different scores that are developed for them by credit bureaus, depending on their risk profiling preferences, the most important factor across the board is how well you have repaid your accounts. Where accounts have gone into arrears, the score is affected in the worst way possible (remember, this is the most important scoring factor) and the damage cannot be undone by simply paying the accounts in full. You are expected to pay your accounts – how well you do it is the defining factor.
Whilst there are a lot of factors that go into a credit score, the general bottom line for determining scoring is: 1. Does this person have a history of repaying their accounts well? 2. Are they using the revolving credit at their disposal in moderation, or is it being "maxed out". 3. Are they accessing new credit frequently/in quick succession.
You have done well to settle your accounts. You will now need to re-build your score. Our consumer care team has spent a lot of time giving you the necessary information on how to achieve that. We wish you all the best on your journey!
You have the option of referring the matter to the National Credit Regulator and/or the Credit Ombudsman.
Kind Regards,
Whilst Compuscan and Experian are partners, they are still in the process of merging their databases, which is a huge undertaking and naturally takes time.
Having said that, note that whilst different credit providers use different scores that are developed for them by credit bureaus, depending on their risk profiling preferences, the most important factor across the board is how well you have repaid your accounts. Where accounts have gone into arrears, the score is affected in the worst way possible (remember, this is the most important scoring factor) and the damage cannot be undone by simply paying the accounts in full. You are expected to pay your accounts – how well you do it is the defining factor.
Whilst there are a lot of factors that go into a credit score, the general bottom line for determining scoring is: 1. Does this person have a history of repaying their accounts well? 2. Are they using the revolving credit at their disposal in moderation, or is it being "maxed out". 3. Are they accessing new credit frequently/in quick succession.
You have done well to settle your accounts. You will now need to re-build your score. Our consumer care team has spent a lot of time giving you the necessary information on how to achieve that. We wish you all the best on your journey!
You have the option of referring the matter to the National Credit Regulator and/or the Credit Ombudsman.
Kind Regards,