BT
Boihang T

1 reviews | Active since Feb 2014

18 Aug 2017, 11:20

Scoring system and insufficient information and bad service

It has come to my attention that my scores are dropping putting me as a high risk consumer, I fail to understand why this is as i have not skipped any payments, i have no authorized users,closed or paid off any accounts, no defaults, no late payments, borrowed more money or made any inquiries, increased my debt, maxed out accounts , settled any accounts or paid off any loans, I have not done any of the above yet my credit score seems to have dropped, I have been paying on time on the due date, Every time i call the call center number (***) i am given a different reason as to why my scores are dropping for no reason no one can seem to give me a reason why and every time they can explain i am referred to call a different number as "they will give me detailed information on my score trending.

The last short term loans i have were fully paid off in June and my scores were effected then, meaning they have no bearing in my current situation, yet no one can seem to explain why, I am instructed to challenge the report of which i do and still 20 days later nothing has changed, all my payments have updated and still no change, as much as Transunion is for educational purposes i would still like to have a good record.

Spoke to a "Team leader" Ahmed no surname for some reason 18th Aug 2017 for an 1hr 13 who still could not tell me what the reason for my drop is instead he will escalate, I dont know how many escalations have been done,

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