Why is my score zero? – SA - Help Centre

At ClearScore, we show you your Experian credit report and score data.

These are just some of the reasons why you score might be zero:

You have very little credit history
Experian (our data provider) will not be able to generate a credit score for you if you don't have much credit. This could be because you’re new to credit or you don’t have many active accounts.
You’ve recently moved to South Africa,
You might have no residential or financial information because you’ve been out of the country or just moved.
You're under Debt Review
You have a judgement or legal action
Legal action might cause your score to be 0.

If you feel like you’ve enough credit history to generate a score, this is something you can discuss with Experian (our data provider). It might be that your lenders/providers aren’t sharing your data correctly with them. You can contact Experian or go through our Chat on the right-hand side of this page.

You can also look through the ‘Accounts’ tab on your report to make sure everything is correct. If there’s missing or incorrect information on your report (such as loans, public information etc.), it’s best to contact the credit lender(s) to see if they’re sharing data with Experian.

If the lender agrees to change, remove or start sharing your information with Experian, it can take up to 60 days for the information to reflect on your ClearScore report.

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