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James

Member

Registered: 1st Jun 02
Location: Surrey
User status: Offline

30th Apr 13 at 08:56

http://www.noddle.co.uk

I highly recommend everyone uses these guys. I'm really impressed with the service.

It's completely free and once you sign up, they will e-mail you once a month when your updated report is ready. It's simple to use and entirely accurate (as far as I can tell).

Although it is worth considering that most lenders use Experian which could hold different data compared to Call Credit (that's who Noddle is).

A2H GO

Member

Registered: 14th Sep 04
Location: Stoke
User status: Offline

30th Apr 13 at 09:10

I tried and they couldn't provide me one.

Ended up getting one from Experian in the end, still not entirely sure how accurate that is...

James

Member

Registered: 1st Jun 02
Location: Surrey
User status: Offline

30th Apr 13 at 09:30

quote:
Originally posted by A2H GO
I tried and they couldn't provide me one.

Ended up getting one from Experian in the end, still not entirely sure how accurate that is...

I got 999 from Experian. It's a load of shit, those numbers don't really mean anything. Lenders only look at the actual report, not the score.

A2H GO

Member

Registered: 14th Sep 04
Location: Stoke
User status: Offline

30th Apr 13 at 10:05

You know they're a load of marketing shit when they don't tell you anywhere how they do the calculations.

I just got one to make sure there wasn't anything on there that shouldn't be.

Whittie

Member

Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline

30th Apr 13 at 11:03

I've been with noodle a while, great service.

Brett

Premium Member

Registered: 16th Dec 02
Location: Manchester
User status: Offline

30th Apr 13 at 13:11

So whatever's on Noddle should be 100%? I've used it on the past and expected things to be on there that weren't. Is it really not worth paying for Experian over Noddle?

James

Member

Registered: 1st Jun 02
Location: Surrey
User status: Offline

30th Apr 13 at 13:48

quote:
Originally posted by Brett
So whatever's on Noddle should be 100%? I've used it on the past and expected things to be on there that weren't. Is it really not worth paying for Experian over Noddle?

Well all credit agencies rely on the credit companies sending data to them to build their reports. So if any companies don't send data to CallCredit then it won't be on your Noddle report.

But I've mine against Experian and it's the same.

I think if you are looking to get a significant amount of credit then it's worth paying £2 or whatever it is to check your Experian one, but if you just want to keep track of it on a monthly basis, Noddle is perfect.

Member

Registered: 10th Sep 03
User status: Offline

30th Apr 13 at 18:12

I use Noddle too - helped me get all my addresses and details in order

Russ

Member

Registered: 14th Mar 04
Location: Armchair
User status: Offline

30th Apr 13 at 19:10

quote:
Originally posted by Whittie
I've been with noodle a while, great service.

Graham88

Member

Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline

30th Apr 13 at 22:13

Seems good, cheers! Shown accounts open that I forgot I had

pow

Premium Member

Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline

1st May 13 at 14:26

5/5 get in

James

Member

Registered: 1st Jun 02
Location: Surrey
User status: Offline

1st May 13 at 14:28

quote:
Originally posted by pow
5/5 get in

Nice. Mine was 4/5, then I closed a store card that had zero balance anyway and it went up to 5/5. Slightly weird, I'm surprised one store card with zero balance could really have that much effect.

Whittie

Member

Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline

1st May 13 at 14:53

Mines 4/5. Had some missed direct debits in the past, assuming its them causing it. Being 4/5 certainly hasn't stopped me with financing stuff though, so thats good.

James

Member

Registered: 1st Jun 02
Location: Surrey
User status: Offline

1st May 13 at 15:37

The score out of 5 is no more relevant than Experian's score out of 1000.

pow

Premium Member

Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline

1st May 13 at 17:33

I think the worst thing thats happened in my credit history is a cheque bouncing

James

Member

Registered: 1st Jun 02
Location: Surrey
User status: Offline

1st May 13 at 20:43

I had 1 late credit card payment about 4 years ago. I thought I had set up a direct debit, turns out I hadn't. I still got 5/5 though

Graham88

Member

Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline

1st May 13 at 23:05

quote:
Originally posted by James

quote:
Originally posted by pow
5/5 get in

Nice. Mine was 4/5, then I closed a store card that had zero balance anyway and it went up to 5/5. Slightly weird, I'm surprised one store card with zero balance could really have that much effect.

Presumably because you could potentially spend up to the limit on the store card? I'm told credit cards with zero balance can count against you when trying for a mortgage, not sure how true it is as I've not come to that yet.

Whittie

Member

Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline

2nd May 13 at 08:07

^ I can confirm that isn't correct, or if it is, it didn't effect anything.

Colin

Member

Registered: 4th Apr 02
User status: Offline

2nd May 13 at 08:23

Any 'available' credit will be taken Into account when applying for credit.

dan_m1les

Member

Registered: 8th May 06
Location: Burnham, Buckinghamshire
User status: Offline

2nd May 13 at 10:14

Sorry, we haven’t been able to verify and validate your identity and can’t provide your credit report.

Whittie

Member

Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline

2nd May 13 at 10:17

Bloody Asylum Seeker

Graham88

Member

Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline

2nd May 13 at 15:57

quote:
Originally posted by Whittie
^ I can confirm that isn't correct, or if it is, it didn't effect anything.

quote:
Originally posted by Colin
Any 'available' credit will be taken Into account when applying for credit.

As Colin said...whether I made it sound different, that's what I meant

James

Member

Registered: 1st Jun 02
Location: Surrey
User status: Offline

2nd May 13 at 16:04

quote:
Originally posted by Graham88

quote:
Originally posted by James

quote:
Originally posted by pow
5/5 get in

Nice. Mine was 4/5, then I closed a store card that had zero balance anyway and it went up to 5/5. Slightly weird, I'm surprised one store card with zero balance could really have that much effect.

Presumably because you could potentially spend up to the limit on the store card? I'm told credit cards with zero balance can count against you when trying for a mortgage, not sure how true it is as I've not come to that yet.