Hi boys1211.

I think these scores are pretty irrelevant to be honest. They're just a guess about how an average lender might view your credit file. We've read often here that Experian seem to grossly overestimate this in the aftermath of a protected trust deed.

A key question is whether there is anything incorrect on your credit file?

If you look down the list of accounts that you have you should be able to spot the one that is listed as being defaulted. If there's a default notice, has it been marked satisfied or partially satisfied? Is the date of the default being issued much after the trust deed began?

A second key question is whether you intend to make use of any credit to demonstrate to future lenders that your recent repayment record is good?

Hi TDA
Have a credit card each (vanquis) used & paid off. And last week my husband got car finance. I was shocked to see such a high score & can remember reading on here about the relevance (or not) of the way experian scores.

As I said no plans to apply for any more credit anytime soon. Just want to be able to remortgage ASAP, currently on NRAM SVR, with about 12% equity in property at the moment

Thanks I'll follow your advice when I get home tonight, go through things in more detail.

I have a credit score of 999 with Experian, and 1/5 with Noddle. Wouldn't pay too much attention to anything they tell you!

Once the TD falls off the file, then as long as you have sufficient equity in your property I think you should be able to feel very optimistic about your chances of a remortgage, boys1211.

3 accounts showing as unsatisfied. What do I do to resolve this?
Thanks