At ClearScore, we show you your Experian credit report data.
Below are several reasons as to why your score may be zero:
- You have little credit history - Experian won’t be able to generate a credit score for you if you don't have much credit
- You’ve recently moved to South Africa, or you’ve been out of the country for a while
- You're under Debt Review - being under Debt Review can cause your score to be zero
- You have a judgement, sequestration or a rehabilitation on your credit file - if you have any of these on your report, your score will be zero
If you feel like you have enough credit history to be able to form a credit score, then this is something you need to discuss with Experian as it may be that your lenders aren’t sharing your data with the bureau.
You should look through the ‘Accounts’ tab on your ClearScore account and make sure that everything is correct and up to date.
If there is incorrect or missing information on your report (e.g. financial accounts, loans, public information etc.), the best option is to contact the credit grantor(s) involved to find out more information about this. If they agree to change or remove this information, this will then be passed to Experian, who’ll in turn update this on the report you see through ClearScore.
Please be aware that your credit report is updated once a month, and so information on your report can be up to 6 weeks out of date.