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Different information on Noddle and Experian
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poppydaisylilyrose
Posts: 2 Newbie
Hello
I have a county court judgement from August 2016 recorded on my file from noddle but my Experian holds nothing.
My credit rating as a whole is very poor and I am desperate to improve it, have taken steps in the last few months and it has gone up, but I’m worried a very poor credit rating with a CCJ could prevent me getting a mortgage?
Any advice - thanks!
I have a county court judgement from August 2016 recorded on my file from noddle but my Experian holds nothing.
My credit rating as a whole is very poor and I am desperate to improve it, have taken steps in the last few months and it has gone up, but I’m worried a very poor credit rating with a CCJ could prevent me getting a mortgage?
Any advice - thanks!
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Comments
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It might be worth posting in the mortgage forum. With a relatively recent ccj, you should use a broker who deals with adverse credit. Expect to need a bigger deposit.
Has the ccj been satisfied?0 -
Ignore your score or rating as it’s not a real thing.
Lenders will only look at the data in your files.
Does the CCJ appear on an Equifax report?0 -
I’m not sure, I’ll check. Thank you.
The CCJ is from August 2016.
I have a fairly large deposit because my parents passed away and left me some money but I didn’t know whether the CCJ ‘counted’ as it only appeared on one file.0 -
It 'counts' for anyone who sees it.0
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Check ClearScore as well, if the CCJ is correct it should really be on all of them
Sam 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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