Experian and Noddle

moohound

Had a look on Noddle and the Experian free trial, Noddle shows 1 out of 5, which I expected, and Experian gave me 913 and a rating of good, just shows what load of old rubbish these numbers are.

I wanted to make sure my defaults are reported accurately, Noddle shows a default balance of £4042 outstanding for Bank of Ireland (Post Office CC) but I paid a full and final of £3200 (80%) Experian shows the balance to be zero, so I'm confused now.

Do I need to contact Noddle or the Bank of Ireland?

The 8 other accounts are a true record of the default dates and the amounts paid and show settled or satisfied and have £0 balances on both credit reference agencies.

I don't want any more access to credit, but I was refused a savings account because of my credit rating, and I would like to open one in the future.

Tixy

If your settlement was more than a couple of months ago then I would contact Bank of Ireland and chase up them correcting your credit file to show the debt is settled.

If it was a recent settlement then I would wait for your next noddle report to be generated (which is only once a month).

glentoran99

had the same problem with bank of ireland, they didnt seem to report the settlement to the CRA's on contacting the CRA's Noddle removed the entry completely, equifax marked it as settled, havent checked experian, I has also written to bank of ireland but they havent bothered giving me a reply yet, just standard "we are investigating"

moohound

Tixy wrote: »

If your settlement was more than a couple of months ago then I would contact Bank of Ireland and chase up them correcting your credit file to show the debt is settled.

If it was a recent settlement then I would wait for your next noddle report to be generated (which is only once a month).

The account was settled 16 months ago

I can't understand why one is correct and the other one isn't, and doesn't even show the £3200 paid as a full and final.

I will call them and if that doesn't help I will write to them.