www.iva.co.uk

Well, well, well ....

My 6th year anniversary is up now ( as of 17th December) so I looked myself up on Noddle and a few accounts had gone, some marked satisfied, some not. But there was one default which had been duplicated .... MBNA had defaulted the account ( using the wrong date -- January 2011). They sold on to Max Recovery, who then registered a default, using the correct date. So .... I raised a dispute with Noddle online, asking if the incorrectly dated entry could be removed, mentioning that I was just being pedantic as the whole lot should disappear soon anyway.

Today I got a lovely email from them, saying they understand how frustrating these things can be when you are trying to rebuild a good record and that they have generated a new report for me to check ...... everything IVA related has gone, even the couple of defaults with late dates !! My CallCredit rating is almost excellent (perversely, the thing knocking a few points off is the low credit limit on the one credit card I now have).

There is an odd search I am querying (which I will make a separate post about) but, all in all, Noddle have been great in getting things straight -- I had a couple of other "Associated Party" queries to sort ( ex wife still linked) which they dealt with immediately when asked. I recommend joining up for their free service to keep an eye on the records.

I use Noddle and Clearscore and also the MSE one as well.

kallis3 wrote:

I use Noddle and Clearscore and also the MSE one as well.

How do you find Clearscore ? They give me a lower rating ( for what it is worth) but have never shown half my defaults or the IVA itself !

Clearscore do give me a lower rating but I think my negative posts on there are because I don't have a credit card. I didn't sign up until after the IVA had finished so that has never shown up on there.

I've found with both of these that I'm not on the electrol register even though I am and vote at every opportunity

Dave.12 wrote:

I've found with both of these that I'm not on the electrol register even though I am and vote at every opportunity

Get them to correct it if that is the case on the actual file --- these web based versions are not always complete, which is why you need at least a statutory report when doing a clean up.