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    • Bandy1987
    • By Bandy1987 12th Jan 19, 9:54 PM
    • 18Posts
    • 3Thanks
    Bandy1987
    Credit report inconstancies
    • #1
    • 12th Jan 19, 9:54 PM
    Credit report inconstancies 12th Jan 19 at 9:54 PM
    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
Page 1
    • Nasqueron
    • By Nasqueron 12th Jan 19, 10:26 PM
    • 6,999 Posts
    • 4,364 Thanks
    Nasqueron
    • #2
    • 12th Jan 19, 10:26 PM
    • #2
    • 12th Jan 19, 10:26 PM
    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 data
    • Bandy1987
    • By Bandy1987 12th Jan 19, 10:36 PM
    • 18 Posts
    • 3 Thanks
    Bandy1987
    • #3
    • 12th Jan 19, 10:36 PM
    • #3
    • 12th Jan 19, 10:36 PM
    I only found put it was still on my file today and i have put a deposit down for the new build yesterday!
    • Sibz
    • By Sibz 13th Jan 19, 6:31 PM
    • 323 Posts
    • 214 Thanks
    Sibz
    • #4
    • 13th Jan 19, 6:31 PM
    • #4
    • 13th Jan 19, 6:31 PM
    Cant you contact Noddle to have it removed due to the age?
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