pre DRO and credit file

debtdepressed

Hi everyone

I have two copies of my credit report experian and noddle for my dro. Is there any specific piece they need??? mines 24 pages and i still cant see total debt etc?? on my mobile app its much clearer shows what i owe and my creditors, on paper looks a mess. There different too experian shows a HP agreement (guarantor for my mum) noddle doesnt show any of that.
Am i really to send the 24 page. I have a list of mt creditors account numbers and balances as i keep a diary.

fatbelly

It's a requirement that the Intermediary gets an Experian report.

Some also get the other 2. Personally I will sometimes get an Equifax but never bother with Callcredit.

National_Debtline

Hi there,


The 3 credit reports can show slightly different information, don't panic. It is important to send the report your intermediary has requested, no matter how long it is.


Being a guarantor for your mother's HP also won't be an issue as long as she is up to date. However, if she defaults then your liability as a guarantor is called in. This would then be a debt that you would have to pay outside of the DRO. I hope that makes sense.


Laura
@natdebtline