Higuys, started to panic as my car isnt working well. Finished my IVA a year ago after completing 6 years . So left a year before checking my credit file. Went through noodle and credit score and both show me in the green with resonable credit score. 646/710.
question is if these are good will equifax and experian be the same. Or do i need to check them as well.
Credit score means nothing - the creditors dont actullay see these. Each one of the credit agencies - may hold slight diffrent infomation - so it may be worth getting a £2 report from each of them to ensure no defaults etc are showing. If they are clear then its up to the criteria set by the lender that will decide whether they will offer a service
Last edited by ginger323232 on Mon Aug 29, 2016 4:20 pm, edited 1 time in total.
Clear Score is Equifax and Noddle is CallCredit, both are free to register. So you would only have to sign up for the £2 report from Experian.
As Ginger says, most lenders are not interested in your score, just your showing that you have been in the black and have no current CCJ, defaults or accounts in arrears.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
You really need to check all three --- different creditors report to different agencies, so they could well hold something not shown elsewhere. You need the one your prospective lender uses to be clear -- and the only surefire way is to make sure they are all clear.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
ok so even though my reports show nothing on them apart from my mortgage ,i still need to go to experian as well then. gosh this is so nerve wrecking . worse than the iva
You can sign up for a months free trial but if you do then remember to cancel it before the end.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
thanks Foggy, im useless at these things lol. ordered it now it will take few days as apparently they send a special key to home then log in with it.
Lets hope its clear as all other reports only show my mortgage.
fingers crossed as been 7 years since commencing iva
Great advice from previous posters. It is the statutory report you require, personally I would avoid the free trials because effectively you have to sign up and then cancel - except they make it rather difficult to do so. As Ginger says though, it's the information contained on the report you are interested in - the score has little or no significance to lenders who have their own unique way of assessing your score.
Specialist Mortgage Advisers. Highly Commended at the British Mortgage Awards.
well finally checked experian and yep there is a default on there dated 2013, started iva in 2009.This is with PRA group LTD. so now i need to find out who they are and representing as no reference number on there.
need a good letter for them if anyone has any suggestions
Have you tried Googling them? If not then get in touch with your IP and ask them.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Thanks kallis.
I have e mailed them and my old IVA company so hopefully i will get some luck.
i have googled them but dont give a list of who they represent, so probably one of my debts was sold on
well just an update, IVA company dont have any record of them. PRA group also contacted me and they cant find my account either so now i have asked them to lok deeper into it,
So my credit file is tarnished by 1 default.
what is the chance of me getting a car loan with this on my file.
