www.iva.co.uk

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

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.

Fab, thank you

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.

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.

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.

I have been using noddle for a good few months now and its not bad for a freebie!!!

Paul

I would use Noddle but'

They can not verify my card, do not know why as everybody else can

Some people have had a problem with this.

Give them a call to try and find out what the problem is.

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.

TheMatrix
Thanks for that answer.I was stumped as to why I couldn't get set up.

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

I signed up to noddle without any problems at all and that was using a natwest debit card.

I was the same as you Stormsylv.

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.