CREDIT TREND - EBUCKS

Hi There I have had a terrible experience with the secure chat of FNB.I called them up to find out why my credit trend is on RED on credit status on Ebucks , and how can it be corrected as i have telkom ,hollard insurance ,discovery , municipality account, credit card , momentum car insurance and the consultants kept on passing me to one another, i spoke to the following people ;- Ntombifuthi , she transferred me to Terri , who transferred me to Disebo, who then transferred me to Nonhlanhla. The consultants said they could not help me nor would they allow me to speak to their supervisor. They said that they get the information from the credit bureau, I asked him which one do they use so that i can update the information , also why could they not pick up my information to which he rep**** that FNB uses a number of bureau and could not help me, This is going to affect the ebucks score at the end of the month, i need help on this matter urgently