How to improve score after finishing DMP?

novadash5

@20aday doesn't that effect your credit score negatively by looking these reports up?

sniggings

novadash5 wrote: »

@20aday doesn't that effect your credit score negatively by looking these reports up?

not just getting a copy of your report...a creditor looking at your file with a view to give you credit would, even then tho, for a mortgage not so much, and it only affects your file for a short time,stays on for a year but creditors only tend to look at the last few months searches.

No hard and fast rules tho.

Thrugelmir

novadash5 wrote: »

@Thrugelmir Would that mean at least 3 years from when it was paid off?

Yes I'm afraid so.

Tixy

novadash5 wrote: »

I can't see that on Noddle, I can just the monthly status updates. I originally defaulted in May 2009 which is when I sent up the DMP.

Do you recommend a different credit report checker to see more info?

Thanks for your help by the way!

If a default has been registered then the default date should be available in the detail of the record on noddle. Noddle contains all the information from your callcredit statutory file.

As someone has suggested though - it would also be sensible to know what is on your credit files with experian and equifax.

20aday

novadash5 wrote: »

@20aday doesn't that effect your credit score negatively by looking these reports up?

It doesn't, no.

Furthermore you'd be wise to ignore said "score." It's a computer generated number and means nothing, basically!

Your credit history and account conduct is what potential lenders will look at when you apply for credit...

B0B

If you got the Default in May 2009, it will drop off in May 2015, which will mean your credit history will not show the default.