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  • FIRST POST
    • benmids2019
    • By benmids2019 13th Jan 19, 10:13 AM
    • 13Posts
    • 0Thanks
    benmids2019
    Noodle and clearscore what files do they check??
    • #1
    • 13th Jan 19, 10:13 AM
    Noodle and clearscore what files do they check?? 13th Jan 19 at 10:13 AM
    I've just stated checking my credit files just need to know where to start thanks

    I'm viewing noodle what file does that check??

    I'm just setting up clearscore too is that experian
Page 1
    • zx81
    • By zx81 13th Jan 19, 10:19 AM
    • 21,132 Posts
    • 22,801 Thanks
    zx81
    • #2
    • 13th Jan 19, 10:19 AM
    • #2
    • 13th Jan 19, 10:19 AM
    Noddle checks Transunion.

    Clearances is Equifax.

    MSE Credit Club is Experian.

    Check that the accounts are yours, that they are reported correctly, and whether there are any negatives you need to be aware of.
    • RG2015
    • By RG2015 13th Jan 19, 10:35 AM
    • 1,540 Posts
    • 987 Thanks
    RG2015
    • #3
    • 13th Jan 19, 10:35 AM
    • #3
    • 13th Jan 19, 10:35 AM
    Noddle checks Transunion.

    Clearances is Equifax.

    MSE Credit Club is Experian.

    Check that the accounts are yours, that they are reported correctly, and whether there are any negatives you need to be aware of.
    Originally posted by zx81
    Just to clarify for benmids2019, the Noddle website states that its data comes from Callcredit. Callcredit has been purchased by Transunion but the Callcredit brand is still being used online.

    Clearscore is currently reporting data from Equifax but were purchased by Experian last year. It is expected that in due course that Clearscore will switch to reporting data from Experian.

    I strongly recommend signing up to the MSE Credit Club to obtain your data from Experian which is the credit reporting agency most widely used by banks and financial agencies.
    • benmids2019
    • By benmids2019 13th Jan 19, 11:02 AM
    • 13 Posts
    • 0 Thanks
    benmids2019
    • #4
    • 13th Jan 19, 11:02 AM
    • #4
    • 13th Jan 19, 11:02 AM
    Thank you. I've been burying my head in sand for many years and at 32 I'm starting to realise my debts wont go away.

    I'm starting to pay my debts off slowly and I've worked out that il be debt free by end of year, worst case scenario end of 2020.

    But I've always avoiding checking my credit files. One if my new years resolutions is to be debt free.

    I have about 27 different debts and 2 Ccjs but I'm determined to fix things.
    • benmids2019
    • By benmids2019 13th Jan 19, 11:06 AM
    • 13 Posts
    • 0 Thanks
    benmids2019
    • #5
    • 13th Jan 19, 11:06 AM
    • #5
    • 13th Jan 19, 11:06 AM
    Also a few of those debts was over 6 years ago and debt companies are telling me that the default have dropped off file and not showing.

    I've made the decision to pay the these on a reduced settlement am I right thing PS won't make a difference on these debts
    • Willing2Learn
    • By Willing2Learn 13th Jan 19, 11:07 AM
    • 2,525 Posts
    • 2,073 Thanks
    Willing2Learn
    • #6
    • 13th Jan 19, 11:07 AM
    • #6
    • 13th Jan 19, 11:07 AM
    Before you make any settlement offers, you should send each creditor a CCA request, to ensure they have the correct paperwork.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • benmids2019
    • By benmids2019 13th Jan 19, 11:09 AM
    • 13 Posts
    • 0 Thanks
    benmids2019
    • #7
    • 13th Jan 19, 11:09 AM
    • #7
    • 13th Jan 19, 11:09 AM
    Alot of my debts are with Lowell and already cleared a couple of accounts with PS because not showing on file.
    • benmids2019
    • By benmids2019 13th Jan 19, 11:11 AM
    • 13 Posts
    • 0 Thanks
    benmids2019
    • #8
    • 13th Jan 19, 11:11 AM
    • #8
    • 13th Jan 19, 11:11 AM
    What's a CCA request
    • RG2015
    • By RG2015 13th Jan 19, 11:17 AM
    • 1,540 Posts
    • 987 Thanks
    RG2015
    • #9
    • 13th Jan 19, 11:17 AM
    • #9
    • 13th Jan 19, 11:17 AM
    What's a CCA request
    Originally posted by benmids2019
    Google is your friend.

    https://debtcollectoradvice.wordpress.com/advice-and-templates/how-and-when-to-send-a-copy-of-your-credit-agreement/
    • Gary_Dexter
    • By Gary_Dexter 13th Jan 19, 11:19 AM
    • 3,713 Posts
    • 2,272 Thanks
    Gary_Dexter
    A CCA is a consumer credit agreement.

    But there is nothing that says that it applies to utility accounts as per here:

    https://debtcamel.co.uk/ask-cca-agreement-for-debt/

    So asking for it and thinking you don’t have to pay it because they can’t show a CCA is a pointless exercise
    • Willing2Learn
    • By Willing2Learn 13th Jan 19, 11:20 AM
    • 2,525 Posts
    • 2,073 Thanks
    Willing2Learn
    That is a request for a copy of the original credit agreement as per the Consumer Credit Act.

    If any of your creditors are not able to respond with a copy of the agreement then the debt may not be enforceable.


    https://www.nationaldebtline.org/EW/factsheets/Pages/getting-information/credit-agreement-advice.aspx
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • Willing2Learn
    • By Willing2Learn 13th Jan 19, 11:21 AM
    • 2,525 Posts
    • 2,073 Thanks
    Willing2Learn
    A CCA is a consumer credit agreement.

    But there is nothing that says that it applies to utility accounts as per here:

    https://debtcamel.co.uk/ask-cca-agreement-for-debt/

    So asking for it and thinking you donít have to pay it because they canít show a CCA is a pointless exercise
    Originally posted by Gary_Dexter
    The OP has 27 debts. Most of them will be applicable for a CCA request.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • benmids2019
    • By benmids2019 13th Jan 19, 11:22 AM
    • 13 Posts
    • 0 Thanks
    benmids2019
    Oh ok thanks. So if turns out that can't give me a copy of the credit agreement so they have to remove it from my credit files?

    Alot of debts were from a catalogue company can't remember if I did an agreement
    • zx81
    • By zx81 13th Jan 19, 11:23 AM
    • 21,132 Posts
    • 22,801 Thanks
    zx81
    No. But it would be unenforceable.
    • benmids2019
    • By benmids2019 13th Jan 19, 11:24 AM
    • 13 Posts
    • 0 Thanks
    benmids2019
    What about Ccjs if I can't get the credit agreement on those.
    • Willing2Learn
    • By Willing2Learn 13th Jan 19, 11:26 AM
    • 2,525 Posts
    • 2,073 Thanks
    Willing2Learn
    No. But it would be unenforceable.
    Originally posted by zx81
    If any of the debts are unenforceable due to lack of paperwork, you can either choose to use that as leverage to get better settlement offers, or you could use it to not pay off that particular debt.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • Gary_Dexter
    • By Gary_Dexter 13th Jan 19, 11:26 AM
    • 3,713 Posts
    • 2,272 Thanks
    Gary_Dexter
    No they just won’t be enforceable in court.

    You still need to pay the money as you owe it, besides the fact you know you morally owe it.

    Regards the CCJ’s have you acknowledged them yet?
    • benmids2019
    • By benmids2019 13th Jan 19, 11:31 AM
    • 13 Posts
    • 0 Thanks
    benmids2019
    Yes I'm aware of the 2 Ccjs arrangements in places. One of them was over 6 years ago the default have dropped off but CCJ still showing. I'm going to offer a reduced settlement soon on one.

    What will that show on credit file?
    • benmids2019
    • By benmids2019 13th Jan 19, 11:36 AM
    • 13 Posts
    • 0 Thanks
    benmids2019
    Tbf the debt companies I have spoken to relating to my debt been very fair. Over the last 2 months I've cleared 4 debts 2 with reduced settlements with 50% off debt and they weren't showing on file.
    • Gary_Dexter
    • By Gary_Dexter 13th Jan 19, 11:41 AM
    • 3,713 Posts
    • 2,272 Thanks
    Gary_Dexter
    You’ll need to pay the full amount owed for the CCJ or setup a payment plan to cover all the costs.

    They may ask for a statement of affairs - incomings, outgoings etc to decide a payment plan they’re willing to accept
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