Noddle Credit file

[Janey]

I have finished my iva, and have just received my compleition certificate. Looking at my Noddle Credit file, I only have one old outstanding account which is stating that I have an Arrangement to Pay but the balance is £0 from October 2011. It gives the account start date as 26.04.96, with a regular payment of £22. Am I better to just let it fall off next year or speak to Noddle about it.

[Shining]

Hi Janey, will bump this up for others to answer x

[TheArtist]

Hello Janey, if your not too bothered about it, and are patient, you could just let it drop off next year. If you've a mind to. However, fundamentally, your current credit report is inaccurate. To address this, on the noddle site, raise a notice of dispute. (Note Janey, NOT a Notice of Correction). CallCredit (Noddle) will then contact the creditor directly for you and amend your record accordingly. This would take about 56 days to be done and dusted.

[Adam Davies]

Hi

I think it will stay on six years from Oct 2011, check this with Noddle and address the issue if this is the case

Regards

[TheArtist]

In any event Janey, it should still be marked as satisfied/satisfactory

[artemischild]

i have an old MBNA which defaulted until it was sold on 6 months after my IVA started, it'll drop off in sept-october this year, im in no huge rush for credit/mortgage etc so I’ve not bothered having it corrected like the other which defaulted until the end of the IVA.

I guess it depends what your short term intentions are in relation to credit etc

Arty

[Janey]

Thank you all very much, really appreciate your advice.