How Long Do You Reckon...

1DayAAT

... it will take for my credit file to reflect the following changes?:

Tesco loan settled in full on 20 December 2013 (early repayment of a 2 year loan, 8 months early).

Sainsburys loan opened on 5th December 2013 - first payment made to this on 3rd Jan 2014.

Ideally I don't want these loans both showing as open on my next credit report as it will look like I owe much more than I do - any idea what is the likelihood of that? I hope the Tesco one will be gone, or at least if its not, the Sainsburys one won't be on it yet!

I use Noddle and my next report is due around the 17th Jan.
Thanks for any help!

Tixy

Both could be on at that point, or neither could show at the point your next noddle report is due.

Is there something you are planning to do with your next noddle report specifically?

Whilst the free noddle report is only created once a month any potential lender sees a file for the specific date they search so wouldn't see the same as on your noddle file anyway (unless they happened to search on that same specific date).

Ant.Evs

I recently paid off and canceled 2 Credit Cards these took around 3 months to show as settled on my files.

Hope this helps.