Noddle Credit Rating 1/5!?

Everything up to date on there but says I'm 1/5?

How right is Noodle or is that just a guide?
[STRIKE] Quick Quid[/STRIKE]
[STRIKE] Orange[/STRIKE]
[STRIKE] Wonga[/STRIKE]
[STRIKE] Home Learnimg College[/STRIKE]
[STRIKE] Zebra Finance Scheme[/STRIKE]
RBS & Barclays only creditors left!
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Comments

  • camuk81
    camuk81 Posts: 1,559
    First Anniversary Combo Breaker
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    Morning Leon,

    There are 3 agencies. Don't worry too much about the score but lets start checking whats right and not right.

    Are you on the electoral roll and listed on your report?
    Are all accounts there?
    Have you any defaults?
    How long have you lived at your address and how old are you?
  • Are you on the electoral roll and listed on your report?
    Yes it is
    Are all accounts there?
    Yes I believe so, however previous companies I've paid off (e.g Orange aren't)
    Have you any defaults?
    No, have missed payments in the past but never defaulted, have had some 'payment arrangements' set up, but always kept my side of the bargain.
    How long have you lived at your address and how old are you?
    Say 15 years? 29........ 30 in two weeks :-S
    [STRIKE] Quick Quid[/STRIKE]
    [STRIKE] Orange[/STRIKE]
    [STRIKE] Wonga[/STRIKE]
    [STRIKE] Home Learnimg College[/STRIKE]
    [STRIKE] Zebra Finance Scheme[/STRIKE]
    RBS & Barclays only creditors left!
  • rdchick
    rdchick Posts: 1,815
    Name Dropper First Post First Anniversary Combo Breaker
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    Mine is the same, only a couple of late payments from last year, on the electoral roll, all should be fine...

    Yet 1/5 :/
    Life is too short not to love what you do.
  • I won't take it too seriously then.....
    [STRIKE] Quick Quid[/STRIKE]
    [STRIKE] Orange[/STRIKE]
    [STRIKE] Wonga[/STRIKE]
    [STRIKE] Home Learnimg College[/STRIKE]
    [STRIKE] Zebra Finance Scheme[/STRIKE]
    RBS & Barclays only creditors left!
  • vax2002
    vax2002 Posts: 7,187 Forumite
    Expect any old debts to re-surface from new debt collectors.
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  • camuk81
    camuk81 Posts: 1,559
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    Wouldn't worry these things age with time.

    I'm clearing debts off with 33 lates on my file the most recent in January due to going over my overdraft! (Yes overdraft see hsbc & First direct they report going over you overdraft as a late) and my mine started at 375 in dec now up to 415.

    The words slowly and monkey come in here!
  • vax2002 wrote: »
    Expect any old debts to re-surface from new debt collectors.

    Can you expand on that abit? :eek:
    [STRIKE] Quick Quid[/STRIKE]
    [STRIKE] Orange[/STRIKE]
    [STRIKE] Wonga[/STRIKE]
    [STRIKE] Home Learnimg College[/STRIKE]
    [STRIKE] Zebra Finance Scheme[/STRIKE]
    RBS & Barclays only creditors left!
  • camuk81 wrote: »
    Wouldn't worry these things age with time.

    I'm clearing debts off with 33 lates on my file the most recent in January due to going over my overdraft! (Yes overdraft see hsbc & First direct they report going over you overdraft as a late) and my mine started at 375 in dec now up to 415.

    The words slowly and monkey come in here!

    The thing is on this 'Noodle' file every payment is green and paid on time?

    Even the late payments on the new loan aren't marked red?
    [STRIKE] Quick Quid[/STRIKE]
    [STRIKE] Orange[/STRIKE]
    [STRIKE] Wonga[/STRIKE]
    [STRIKE] Home Learnimg College[/STRIKE]
    [STRIKE] Zebra Finance Scheme[/STRIKE]
    RBS & Barclays only creditors left!
  • camuk81
    camuk81 Posts: 1,559
    First Anniversary Combo Breaker
    Forumite
    Very lucky, though noodle is only one of three agencies they may not have reported the lates to noodle may experian or equinox.

    As regards the chasing of dents. Somehow debt companies see win you log into view your credit file so if you have any old unpaid debt the debt collection agencies may start following this up with you and start to chase any old outstanding debts.
  • Not taking it too seriously yet as years away from needing any credit again anyhow.
    [STRIKE] Quick Quid[/STRIKE]
    [STRIKE] Orange[/STRIKE]
    [STRIKE] Wonga[/STRIKE]
    [STRIKE] Home Learnimg College[/STRIKE]
    [STRIKE] Zebra Finance Scheme[/STRIKE]
    RBS & Barclays only creditors left!
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