Get expert opinion. This is the place for new questions to be posted.
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Ruth.mh
- Posts: 170
- Joined: Tue Aug 02, 2011 3:37 pm
- Location:
Good morning everyone,
I have just discovered Noddle and cannot believe that I can see everything about me ... for FREE! Is this as good a site as Experian or Equifax?
Looking at my different debts (there are a few [:0] )each one shows as a default but the default dates on some are way before the start of my IVA so for example Tesco says default date 27/07/2010, does this mean it will drop off 6 years from this date or six years from the start of my IVA which started 23/11/2011 ?
Thank you
R
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Niobe
- Posts: 5169
- Joined: Tue Jul 03, 2012 9:56 am
- Location:
Hi Ruth,
Noddle only covers Call Credit so you would need to check the other two as well but that will cost you £2 a time to check.
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Ruth.mh
- Posts: 170
- Joined: Tue Aug 02, 2011 3:37 pm
- Location:
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mattyboy
- Posts: 390
- Joined: Thu Jul 21, 2011 10:57 am
- Location: United Kingdom
The default from tesco will drop off. 6 years from the registration date , not the start of the IVA but whilst the IVA remains on file your score is shot anyway.
"Just when you think that you can make ends meet, somebody moves the ends."
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gizmo78
- Posts: 88
- Joined: Thu Aug 02, 2012 6:29 pm
- Location:
Checkmyfile is a good place to go, it covers all 3 agencies and it has a one month free trial. Defo worth ago I think.
IVA Completed
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Ruth.mh
- Posts: 170
- Joined: Tue Aug 02, 2011 3:37 pm
- Location:
Thank you all for your feedback.
I have read comments from others that their default notices were placed after their IVA started which shouldn't be the case and thought I should check mine. Fortunately, all defaults are either the day my IVA began or before.
Going to look at checkmyfile.
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plasticdaft
Forum Expert
- Posts: 9562
- Joined: Wed May 21, 2008 12:45 pm
- Location: United Kingdom
I have been using noddle for a good few months now and its not bad for a freebie!!!
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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Stecast
- Posts: 15
- Joined: Sun Aug 05, 2012 9:43 am
- Location: United Kingdom
I would use Noddle but'
They can not verify my card, do not know why as everybody else can
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Niobe
- Posts: 5169
- Joined: Tue Jul 03, 2012 9:56 am
- Location:
Some people have had a problem with this.
Give them a call to try and find out what the problem is.
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TheMatrix
- Posts: 2171
- Joined: Sat Mar 17, 2007 8:32 pm
- Location: United Kingdom
I suspect they verify the card details against what is on the credit file. As debit cards are not included in the credit file they cannot validate it that way.
I had the same problem with call credit, noddle were not around at the time, a call to them should sort it.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
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allancsn
- Posts: 100
- Joined: Wed Dec 14, 2011 7:59 am
- Location:
TheMatrix
Thanks for that answer.I was stumped as to why I couldn't get set up.
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vixster
- Posts: 89
- Joined: Thu Apr 26, 2012 8:12 pm
- Location:
Hi,
This happened to me the first time I tried to use Noddle.
I waited a couple of days & re tried. I have no idea as to why as I did exactly the same.
Weird huh?
Vixster
IVA Completed Nov 2011.
Completion Certificate received 21st July 2012.
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stormsylv
- Posts: 171
- Joined: Wed Jul 14, 2010 10:41 am
- Location:
I signed up to noddle without any problems at all and that was using a natwest debit card.
IVA Official Completed 27th July 2012!!!
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Ruth.mh
- Posts: 170
- Joined: Tue Aug 02, 2011 3:37 pm
- Location:
I was the same as you Stormsylv.
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allancsn
- Posts: 100
- Joined: Wed Dec 14, 2011 7:59 am
- Location:
Oh well the wrong card theory out the window for me then
The only one I've been able to access is Equifax the others refuse to recognise me
Been here for 8 years on the electoral roll and have loads of bad credit Including Court action LOL
Not that fussed until the IVA drops off but weird. Dies that mean if they can't find me I don't exist. Beginning to think perhaps it all an illusion
Wee bit worried though that they might be adding potential fraud markers when they can't approve me.
