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How to Update My Profile

Questions & AnswersHow to Update My Profile
Louis Muller asked 3 years ago

I was handed over by Cell C when I disputed some charges. I have paid off the debt on 16/02/2016 and I have statements and paid up letters. I however still have an ITC listing (according to MTN) on my name. How do I remove it?

How long will such a listing reflect against my name? How can I get the credit provider to update my profile?

Regards

1 Answers
Matthys Potgieter Staff answered 3 years ago

Hi there,
 
Thank you for getting in touch.
 
The amendments to the National Credit Act, gazetted 13 March 2015, have brought amendments to the retention periods of credit information. Credit bureaus will now have to remove adverse information and judgement listings from a consumer’s credit profile, if the amount owed has been settled. Consumers no longer need to have their judgement rescinded to get it removed from their credit profile. Furthermore, the retention period for default listings has now been reduced to 12 months.
 
If you have paid your outstanding debt and have reached your retention period and the information is still listed we would suggest you firstly dispute your credit listing with the company where you pulled your credit report. If you have a complaint about a specific credit provider you can lodge a complaint with the Credit Ombud. Here is a link to their page explaining the complaint procedure.
 
Also keep in mind that there are 4 major credit bureaus. TransUnion, Experian, XDS and Compuscan. It can be that some of these other credit bureaus have not yet updated your profile.
 
Hope this information helps.