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Credit report inconstancies
Bandy1987
Posts: 18 Forumite
Hi, im applying for a mortgage next week, ive had an agreement in princple which i know doesnt mean alot.
I have looked at my credit score over the past 6 month and currently with equifax & experian i have an excellent rating.....however today i checked noddle and they show a differnt score which is classed as “poor”
I have a personal loan and a credit card with 0 balance.
The noddle report shows a CCJ which is 6 years old and has been satisfied, whcihc i thought had been removed from my file because of its age!
Im going to apply with Halifax, should i be worried with the inconsitancies of the reports?
Thanks
I have looked at my credit score over the past 6 month and currently with equifax & experian i have an excellent rating.....however today i checked noddle and they show a differnt score which is classed as “poor”
I have a personal loan and a credit card with 0 balance.
The noddle report shows a CCJ which is 6 years old and has been satisfied, whcihc i thought had been removed from my file because of its age!
Im going to apply with Halifax, should i be worried with the inconsitancies of the reports?
Thanks
0
Comments
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If it's over 6 years old it will go, they may just be a bit slow in updating (though they claim to be updating every week). I'd wait until it goes before applying
The scores are irrelevant, no-one got a mortgage, or was refused one, because of the rating the CRA gives you, all that matters is dataSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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I only found put it was still on my file today and i have put a deposit down for the new build yesterday!0
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Cant you contact Noddle to have it removed due to the age?0
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