UNJUSTIFIED SCORING BY VCCB

Good Day

I have taken the matter of Scoring with VCCB on more then 3 occasions but with no resolution yet. I have pointed out that all other bureau (3 Major bureau ) have scored me fairly after looking at my financial conduct of my account with the same data as VCCB. All bureau have scored me over 620 while VCCB has scored me a 1. Main factors 1)All my accounts have been upto date 2) I have never defaulted in the past few years 3) I have used less then 50percent of my total credit utilized 4) I have been paying my account before and on time 5) I have been paying extra on my accounts 6) I have not made much enquiries in the past year.

With all these factors above VCCB has scored me a total of 1. And they have the same data as other bureau. They have not provided any negative feedback on my data to justify the score of 1.

Please if the NCR could look into this bureau and provide a resolution to my concerns.

After also getting feedback from Kudough they found my profile was not released by VCCB and VCCB only released data after 48hrs while other provided data immediately.

Regards MR XOLANI CYPRIAN MAKHAYE ID NUMBER: ***