Credit Files

[Shining]

Yes again, but this time...

I checked Noddle and do realise I have to check the other two. My score is now 4/5, all defaults gone, IVA gone.

Just wondered why it's not 5/5 but only wondering and not moaning, been waiting for this day.

Experian and Equifax are they the other two to check and which one puts things in an obscure place and I may have to write to them...oh I know what I mean and hope you do too. x

[MelanieGiles]

Onwards and upwards Lesley - getting nearer to the end with each step. Thank you for sharing your experiences with us.

[Shining]

With help from your website I wrote to the creditors with the wrong default date on and had them change it, hence why it's all happened so quickly.

I feel the 4/5 is because I let my daughter put her car repair on my credit card and she has now repaid this in full but they haven't acknowledged it's paid so I expect the score will change again next month.

[PeyWetWork]

i'm waiting for noddle and Equifax to update my file which i've emailed the CC to them on my noddle account and Equifax £2 report

experian has been cleared and shows my score as 999

Noddle cleared my iva last month when it was still going and scored me 4/5 so not sure what is needed to get 5/5

[Shining]

That is what mine was 4/5 and when I looked the balance on the credit card was higher than usual as I only usually use it once a month for a small purchase and then pay it off...like I said last month I let daughter use it to pay for her car repairs and she's not repaid this in full and I'm guessing it will show next month.

I do however think that score is irrelevant and lenders will look there is no defaults and a good history of payments up to date on the account.

Just hoping the others will look favourable too.

[Kelly O]

We are glad you found our guide helpful in clearing your credit file Lesley

[luluj]

It makes no sense as our noddle accounts are only just at 3/5 and we have been clear of our IVA since last September !