We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
NOC vs Customer Account Explanation

G_2015
Posts: 7 Forumite
Hi,
I'm aware that by adding an NOC to a credit report, a credit check will be flagged for manual evaluation, given there is a free text element.
My partner's Equifax credit report shows a default for one account in Dec 2013, with the status updated to settled in Jan 2014. There is a "Customer Account Update" at the bottom. This says:
Status: Partial settlement
Explanation: Payment received as a full and final settlement although the payment would not fully clear the balance.
Given the explanation is a free text entry, I was wondering would it also cause her account to flag for manual review, or is it only an NOC that can do this?
Thank you in advance!
I'm aware that by adding an NOC to a credit report, a credit check will be flagged for manual evaluation, given there is a free text element.
My partner's Equifax credit report shows a default for one account in Dec 2013, with the status updated to settled in Jan 2014. There is a "Customer Account Update" at the bottom. This says:
Status: Partial settlement
Explanation: Payment received as a full and final settlement although the payment would not fully clear the balance.
Given the explanation is a free text entry, I was wondering would it also cause her account to flag for manual review, or is it only an NOC that can do this?
Thank you in advance!
0
Comments
-
No that's normal0
-
Thanks Gary0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards