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Noddle credit report codes
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LJE091
Posts: 14 Forumite
Hi,
I've recently printed both mine and my boyfriends noddle report as we're applying for a mortgage. My report has the code UC and AR on it. I've looked at the code list on the website and have found UC but can't see AR anywhere only AA...has anyone come across AR before and know what it means?
Thanks
I've recently printed both mine and my boyfriends noddle report as we're applying for a mortgage. My report has the code UC and AR on it. I've looked at the code list on the website and have found UC but can't see AR anywhere only AA...has anyone come across AR before and know what it means?
Thanks
0
Comments
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Arrangement, I would think.0
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AR: Arrangement to Pay?
Who is the flag for? https://www.callcredit.co.uk/media/1741464/your-credit-file-explained-6-5.PDF
There's a full table of codes there.
In debt and looking for help? Look here for the MSE Debt Help Guide.
Also, If you need any free and impartial debt advice, the National Debtline, Stepchange, and the CAB can help.0 -
UC usually means new account so they haven't had a status update yet.
AR is arrangement to pay = not good.
Don't forget that the majority of lenders don't use Call Credit (Noddle) so you would be better of checking your other files at Equifax and Experian if you are going for a mortgage. By the sounds of it, I hope you are using a broker because if you/your partner has arrangement to pay on your files you application won't be straightforward and may lead to a decline if you go direct to a lender yourselves.
Experian: https://www.moneysavingexpert.com/creditclub
Equifax: https://www.clearscore.comI'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com0 -
Yes! We knew from the start ours wouldn't be straight forward so decided it was well worth the money to get a broker. I'm not on a permanent contract and we only have a 5% deposit. The AR are from about 4 years ago I think. We just had a meeting with our broker and she doesn't seem to think there will be any problems so fingers crossed!! Thanks for your help0
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