Noddle wrong - and just applied for a mortgage

SamDunham

I applied for a mortgage on 31 Oct and am still waiting for a decision.
Before I applied I checked Experian and Equifax - both fine.
My mistake was I completely forgot about Call Credit.

So, I've bow logged on to Noddle and there are lots of mistakes on there... It has an alias down for me which is wrong (it's actually the name of a previous landlord, apparently we both paid a gas bill for the same address so noddle thinks we're the same person ). It's not showing any electoral roll history for me at all, whereas the other CRAs have my full history. And finally, it's showing 3 missed payments and then a partial settlement on a CC from 2010 which is not showing on Equifax or Experian. I assume the other CRAs removed the CC in question because after missing the payments I settled and closed the account all together.

Will any/all of the above ruin my mortgage application?

Any suggestions / support would be appreciated. We're FTB and have never been so stressed out in all my life

Hazzinho

You'll need to dispute it and they'll get in touch with the lenders, it may impact the application. Different lenders report to different CRA's, if it was partially satisfied I assume you defaulted? Defaults remain 6 years from the default date.

SamDunham

Thanks Hazzinho.
It was an MBNA CC and I had a dispute over how much they said I owed. In the end we agreed to a full and final settlement which was the amount I agreed I owed, but lower than they said I owed, if that makes any sense?
I don't know what a default is, I know that sounds thick. This is the only blip in my record and is because I had an argument with them. Noddle shows Dec '09 - 1AA, Jan '10 - 2 AA, Feb '10 - 3BB, Mar '10 - OK, Apr '10 -PS - what does that mean?
I'd had the card since Dec '08 and every month is green OK before the blip in Dec '09.

TIA

Lioness_Twinkletoes

Not all the credit reference agencies log the same info - and if you did miss the credit card payments and then make a partial settlement then it is right and proper that it is logged on your credit file.

It might well have an impact on your mortgage application.

Hazzinho

OK you didn't default and it was a few years ago, not as serious so you might be OK if you've managed credit well since then. You should get the alias removed and sort the electoral roll, is your old LL credit showing? Contact Noddle on Twitter they might pick up your dispute quicker otherwise it may take up to 28 days.

SamDunham

I've raised a dispute about the british gas alias info, because that's completely incorrect.
I've also told them I am indeed on the electoral roll, and always have been.

Lioness Twinkletoes - I don't dispute the CC information or their right to put it on my credit file, and I acknowledge that I made a mistake with my finances there. I'm just annoyed at myself because I didn't check call credit. I thought it was so long ago that it had dropped off my file and wouldn't matter.

This mortgage application has been a learning curve for me!

SamDunham

Hazzinho wrote: »

OK you didn't default and it was a few years ago, not as serious so you might be OK if you've managed credit well since then. You should get the alias removed and sort the electoral roll, is your old LL credit showing? Contact Noddle on Twitter they might pick up your dispute quicker otherwise it may take up to 28 days.

Thanks Hazzinho, that's a bit reassuring. Landlady's credit is not showing, just has her name as my alias. Thanks for the twitter tip too.
I'm thinking that as my application is already with the underwriters that by the time I get the incorrect info on the report sorted it'll be too late anyway.

fermi

SamDunham wrote: »

I assume the other CRAs removed the CC in question because after missing the payments I settled and closed the account all together.

If the card was on those then they should not have removed it yet. Not because you settled it anyway.

Accounts and their history are removed 6 years from the settlement date, or if formally recorded as a default then 6 years from the default date.

SamDunham wrote: »

Thanks Hazzinho.
It was an MBNA CC and I had a dispute over how much they said I owed. In the end we agreed to a full and final settlement which was the amount I agreed I owed, but lower than they said I owed, if that makes any sense?
I don't know what a default is, I know that sounds thick. This is the only blip in my record and is because I had an argument with them. Noddle shows Dec '09 - 1AA, Jan '10 - 2 AA, Feb '10 - 3BB, Mar '10 - OK, Apr '10 -PS - what does that mean?
I'd had the card since Dec '08 and every month is green OK before the blip in Dec '09.

TIA

AA = General code to indicate the account is in early arrears i.e. 1 to 2 months/payments in arrears.

BB = General code to indicate the account is in sustained arrears i.e. 3 or more months/payments in arrears

PS = Partial Settlement

billyvtr

Noddle have a mistake on mine also , I have raised a complaint but other than an automated responce I have still to hear back . I only just found out about Noddle the other week and thought I would check to see if it was correct . I'm not sure when they started .

We applied for a mortgage on a week past Friday and got a full offer Thursday past . This was with the TSB .