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Payment History

Nonjabulo Nxumalo asked 1 year ago

Good Day,

I have read in most articles that payment history on your credit profile should stay for two years. I have debt that I have settled in 2014 and debt that was settled in 2015 between January and May and it is still showing. How do I correct this.

1 Answers
Carien Kruger Staff answered 1 year ago

Hi there,

Thank you for your question.

If you 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.