Has anyone used A Notice of Correction?

[rebel11]

As follows and has it worked?

 

http://experian.metafaq.com/templates/experian/main/answerPage?_mftvst:answerRef=%24http%3a%2f%2fapi.transversal.com%2fmfapi%2fobjectref%2fEntryStore%2fEntry%2fhttp%3a%2f%2fwww.metafaq.com%2fmfapi%2fMetafaq%2fClients%2fexperian%2fModules%2fCredit_report%2fTopics%2fnotices_correction%3a137357%3a2&_mftvst:moduleID=%24Credit_report&_mftvst:topicID=%24notices_correction&id=NE5HFLTLGE4V09F9C8C8EUDIQQ

[zingy]

I don't think they matter tbh. Most decisions are made by automated systems anyhow - and I know that some institutions choose to ignore the NOCs (they shouldn't, but they do).

[nodefaults2010]

Hi Zingy - how do you know that? Just wondering what your source of info is. thanks

[inkslinger]

I was told by my Business manger at the bank it makes little difference. In my case I was busy fighting court cases and battles with DCA's. In the end I got every default off as it had all been caused by an ex and it was all proven in the end. However I still struggled to get any credit until everything was removed. Business manger said NOC is really just your word against someone else's at the time. Not likely to sway anyone too much I dont think.

[nodefaults2010]

thanks inkslinger. That makes perfect sense to me - just thought to check though as all the oficial sources speak as if it might make some difference. Didn't think it would really!

[inkslinger]

Be nice if it did though wouldn't it? Especially if you have say a squeaky clean record, years and years of green ticks and a CCJ from a DCA who sneakily got it by sending to your old address (typical Bryan Carter technique). Be nice if you notice said "papers sent to wrong address after account was in dispute, and therefore no chance to defend. Currently seeking set aside in this" and people would read it and make a sensible informed decision.......

[nodefaults2010]

one can but dream...

[247orbital]

They are not really worth it as they time out after a certain period and are removed anyway. They may an have an effect if you make the CRA only manualy process your data.

 

Its the same as a partial or full settlement they make no difference, people must remember the CRA's are not your friend, the make little or no effort to check facts and take DCA's word as gospel. Not to mention they even charge you to see your own data.

[liquidauctions]

Notice of corrections and setteled defaults do not make a difference. The decision system is automatic and it only looks for defaults ccjs iva's etc and not for information within such as setteled accounts or noc's. I know this by experiance.