Noddle credit report vs credit expert

LolStevo

I got credit expert trial yesterday and was pleasantly surprised, all of my old defaults were not on there, I had guessed they were 6 years old and that's why they weren't.

Today iv got the noddle one and they are on there :-(

Most are from May/June 2008 so have experian missed a page or somethin or could they have dropped off a little earlier?

I had my hopes up that I could improve my rating but seeing the noddle one has just made me so depressed :mad:

Hazzinho

They drop off 6 years from the default date, different CRA's can hold different data.

The_Boss

If anything it is better that they are on Noddle than Experian as Experian are widely used and Noddle very rarely. So don't be too disheartened. Not long now before they disappear either.

fermi

Experian drop defaults after 6 years, so if May/June 2008 I would imagine there is some discrepancy with that report.

Sometimes, accounts/default do not get listed on a report if the address history given when applying for it does not quite stretch long enough. Mean that sometimes old defaults that are there and that might show to a credit do not show on a consumer report.

I know this to be true as has happened to me, and giving an extra previous address made the records show.