DRO credit file question - stepchange

Hampshire345

Hi, I am trying to help someone do a DRO through stepchange ( I have done one for myself previously) and I was wondering do you have to give stepchange a credit file from noodle or can you give them a credit file from experien, when I did mine they wanted your experien credit file.

I have both the noodle and experien credit files of the person I am trying to help do the DRO and the noodle credit file, which is free, is not very good and does not list all their debts, to put it bruntly it is totally useless as the figures it has on the file are old and the credit file is not up to date. The experien file is from early march and does list all debts.

Basically can I just send the experien file to stepchange or does it have to be the noodle credit file?

wba31

If you're unsure send them both. I think Noddle is suggested as it is free and Experian charges at the end of a free trial. I've not know them to be picky, but if there is any uncertainty they suggest Experian as it is what the Insolvency Service check

DorisTrousers

Your Intermediary should automatically apply for a copy of your Experian report (you will receive the passcode, not the Intermediary), but if you want to check Noddle and CallCredit as well then that is fine, anything on there that isn't on Experian can go in, with obvious regard to breaching the DRO limit.