Credit report

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Garguilo443
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by Garguilo443 » Thu May 18, 2017 5:46 pm
Hi everyone
I have finished my IVA and have the completion certificate I have been looking at the free versions of my credit score the IVA has disappeared from the information on noddle clearscore and experian but one default is showing on noddle from Tti spec but it says it's closed on clearscore and I cannot see it on the free experian report. Noddle and clearscore still have me with a poor credit rating and experian has it as fair
I wanted to wait till my name came off the insolvency register before I got the 30 day free trial with experian
I have emailed Tti spec could this be what is keeping my credit score down

Thanks for your help
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Foggy
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by Foggy » Thu May 18, 2017 6:44 pm
Different creditors report to different credit reference agencies -- which often differ. This is why it is important to check all three. The best form of reference are the statutory reports at £2 each, rather than the free online reports.

If you have a look at the last entry in my blog ( link in my signature below) you will see my experience of being where you are now.
Garguilo443
Posts: 26
by Garguilo443 » Fri May 19, 2017 7:37 am
Thank u I will have a look later
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Ryan
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by Ryan » Fri May 19, 2017 8:05 am
As Foggy says you need the full report to see everything that may be recorded against you. It's always best to check the 3 individual reports (Experian, Equifax and Callcredit/Noddle) rather than using Checkmyfile as that only shows limited information.

Regards
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Lisa Thomas
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by Lisa Thomas » Fri May 19, 2017 8:09 am
You might find this quick video I made about cleaning up your credit record useful:

https://www.youtube.com/watch?v=PV4RzUY4BRM
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