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mapule M

1 reviews | Active since Feb 2015

30 Sept 2023, 21:25

Debt management inquiry

The above company has made an inquiries on my credit profile and now im being declined every time i try to get a loan to finish up my house i never inquired with them i dont know where they got the right to do so how can i request for their service when my credit score was close to 600 and with one loan which I'm finishing paying it up in november and a credit card which gets paid every month what debt management will i be seeking i wrote in an email today at 21:20 and im giving them five days to remove that inquiry and stop making any inquiries i don't even know where they got my details should five days pass without them sending me proof that they have removed the inquiry i will refer the matter.

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Replies (2)
Vantage Debt Management
Vantage Debt Management's reply23 Nov 2023, 13:37
Official
Good afternoon Mapule, Thank you for your review. Firstly, we would like to provide you with the correct information as the review you left unfortunately does not provide an accurate representation of what took place. On Wednesday, 09 August 2023, you filled in our company's call back form for us to contact you. On 10 August 2023 we called you but you did not answer and a email was sent to advising that we tried contacting you with no success. On 31 August 2023 we were able to reach you were you completed a free assessment with our company and opted not to make use of any of our services. On 02 October 2023 you emailed our office to notify us that an inquiry from our office is showing on your credit report. Kindly note that any provider who accesses your credit report will leave an inquiry. It also must be noted that you did in fact give consent for your credit report to be accessed. We are unable to do an assessment without accessing your credit report. After you sent our office the email regarding the inquiry on your credit report, we tried calling you to get a better understanding of your query but you did not answer and a email was sent to you. We also provided you with a letter stating that you did not make use of any of our services and we merely conducted an assessment with you. At the time of the assessment in August 2023 you had 7 active credit agreements and not one as you noted in your review. We have provided you with the necessary letter and confirmation regarding the inquiry on your credit report. Please note that an inquiry does not prevent you from accessing credit. Credit providers take into account various metrics such as your credit score, payment behavior, disposable income etc. If you are being advised that an inquiring is the reason for your credit application being declined, request that the credit provider place the reason in writing as I understand we even spoke with credit providers regarding the inquiry on your behalf.
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mapule M's update27 Nov 2023, 05:51
Reviewer Update
Greetings Vantage

Thanks for your response again ,you responded to something that was written almost two months ago and Tatenda from your company has resolved the issue thanks for your appetite though