VCCB assigns POOR score of 700 on a profile with zero accounts, zero judgments, zero defaults — no explanation provided

Here it is:

Title:

VCCB assigns POOR score of 700 on a profile with zero accounts, zero judgments, zero defaults — no explanation provided

HelloPeter complaint text:

VeriCred Credit Bureau (VCCB) reflects a credit score of 700, rated "UNFAVOURABLE" on my profile as at 31 March 2026. My VCCB profile shows absolutely nothing to justify this rating:

Personal Loan: No data Retail Card: No data Vehicle: No data Home Loan: No data Credit Card: No data Judgments: None Defaults: None Notices: None

A credit score is supposed to be derived from credit profile data. Where there is no visible data, a poor score cannot be legitimately calculated from what is on the profile. Either VCCB holds hidden data it is not disclosing to me — which contravenes section 70(1) of the National Credit Act (every consumer has the right to be advised of all information held about them) — or the score is based on inaccurate or outdated data, contravening section 72(1) NCA and POPIA Condition 4. I lodged a formal dispute with VCCB on 18 February 2026. I submitted a formal demand letter on the same date. VCCB has not provided any explanation for this score, not disclosed what data underpins it, and has not corrected it. I have lodged an NCR Form 29 complaint against VCCB dated 31 March 2026 demanding full disclosure of the score methodology and all underlying data inputs. VCCB must either disclose the hidden data or correct the score. Silence is not acceptable.