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    • Tixy
    • By Tixy 12th Jul 11, 11:33 PM
    • 31,081 Posts
    • 39,468 Thanks
    Tixy
    • #2
    • 12th Jul 11, 11:33 PM
    • #2
    • 12th Jul 11, 11:33 PM
    There is a thread here about it with a bit of discussion - MSE News: Consumers to get free credit reports from Callcredit
    and an article Consumers to get free credit reports from Callcredit
    A smile enriches those who receive without making poorer those who give

    or "It costs nowt to be nice"
  • lee20010
    • #3
    • 12th Jul 11, 11:34 PM
    • #3
    • 12th Jul 11, 11:34 PM
    Link not working for me...
    • fermi
    • By fermi 13th Jul 11, 8:12 AM
    • 39,033 Posts
    • 46,819 Thanks
    fermi
    • #4
    • 13th Jul 11, 8:12 AM
    • #4
    • 13th Jul 11, 8:12 AM
    Links work fine here.
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com

    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • Angyles
    • #5
    • 13th Jul 11, 4:53 PM
    • #5
    • 13th Jul 11, 4:53 PM
    Thanks all, I've had an email today thanking me for my registration and saying "Our first trial customer group is now full so your details have been added to the priority list for phase 2 and we will contact you as soon as we can welcome you into Noddle"
    Debt-Free Wannabe / Long Haul Supporter 238 - Proud to be Dealing with my Debts
    LBM Moment June 2010 DMP with CCCS Started August 2010
    Total Debt at LBM = £17,602.74 / Current Debt = £16,285.76 / Cleared = £1.316.98 (7.5%)
    CWU Cashback Referral Link = http://www.cwucashback.co.uk/r/?l=1439965
    • andyt8
    • By andyt8 21st Nov 11, 6:24 PM
    • 102 Posts
    • 71 Thanks
    andyt8
    • #6
    • 21st Nov 11, 6:24 PM
    Just been invited to sign up
    • #6
    • 21st Nov 11, 6:24 PM
    Hi,
    I was also told the first phase was full but recently got an email from Noodle inviting me to join the next group. You appear to sign in via callcredit with noodle being an affiliate..
  • lulalolly
    • #7
    • 21st Nov 11, 6:57 PM
    • #7
    • 21st Nov 11, 6:57 PM
    I've got one, seems ok :-)
    x
    Virgin - £0 , HSBC overdraft £630 - ??% AER, Barclays - £4,527 - 0% APR, DFS - £1500 - 0% APR
    TOTAL - £6657
  • sLondonScott
    • #8
    • 31st Oct 12, 10:05 AM
    • #8
    • 31st Oct 12, 10:05 AM
    First time poster after finding this thread in Google.

    I've signed up for Noddle and looking through my credit report I have had insurance companies search it this month (I was taking out content insurance for a flat I'm moving in to). Thing is, I've had comparison sites and companies that I only got quotes from look through my file, does anyone know if this is normal? Will the amount of searches they have put in affect my credit rating?

    Also, Noddle searches seem to refresh monthly, will these searches affect my credit rating?

    Thanks in advance to anyone who can help
  • MoneyMousey
    • #9
    • 1st Nov 12, 11:05 AM
    • #9
    • 1st Nov 12, 11:05 AM
    I have had a Noddle account for a while now and think it is excellent. I don't see why I should have to pay to see my credit file so the idea of a free one is exactly what I wanted. Some people may argue that it is not as comprehensive as an Experian one for example but for the everyday person, it delivers what I need.

    Mine identified an issue that I wasn't aware of and they helped me resolve it and get corrected on my report. I can't recommend Noddle enough.
  • TheLincsEffect
    I joined Noddle today and I've already sent 12 errors to them. I can't believe I've been so slack in checking my report. Particularly as a debt from 2007 is still hovering around as being in default even though it was eaten up with my bankruptcy 5 years ago. So cross. At least I am more savvy now than I was then. Hopefully they can correct all of my errors.

    I have a question though, if they do tidy up all the errors. Does this mean my rating will automatically improve? Or is it all more complicated than that?
    Hi, my name's Katy and I'm a (former) spendaholic!

    NSD - November Challenge - 7/10

    5/11/12 - 7 Weeks to Christmas Weight Loss Challenge! 2/14
  • Diet1985
    I have just signed up.. it was nice to see what defaults I need to pay off first as some have dropped off my credit report.
    Sofa £294.75 Current £941.33 Credit Card £998.59 Loan £6434.69 Credit Card £3900 Total = £12569.36
    Current
    Sofa £294.75 Current £941.33 Credit Card £998.59 Loan £6434.69 Credit Card £3900 Total = £12569.36
    Nov £10 Day - £50.16/£300
  • MoneyMousey
    I am by no means an expert, but from my own experience your credit rating will not automatically improve. Noddle will help to clear any errors but with a default on your account it will take time. You will need to have some sort of credit agreement that you are up to date with to prove that you are now managing your money and over time it will improve.

    For example, on my own account I had a bill from T-Mobile which was an account that I closed 18 months ago. They claim I owed them £14 as a final payment, so for 18 months they have put a default on my account which has screwed my credit rating, just when I thought it should be improving. Noddle supplied me with the number to contact them and I made the payment. My credit file now shows that the account is settled but my rating is still very poor. Now I have a mobile phone contract and a credit card with a small limit that I pay off in full every month. Over time my rating will now go up, but without checking Noddle, T-Mobile would still be wrecking my credit rating without my knowledge.
  • TheLincsEffect
    I am by no means an expert, but from my own experience your credit rating will not automatically improve. Noddle will help to clear any errors but with a default on your account it will take time. You will need to have some sort of credit agreement that you are up to date with to prove that you are now managing your money and over time it will improve.

    For example, on my own account I had a bill from T-Mobile which was an account that I closed 18 months ago. They claim I owed them £14 as a final payment, so for 18 months they have put a default on my account which has screwed my credit rating, just when I thought it should be improving. Noddle supplied me with the number to contact them and I made the payment. My credit file now shows that the account is settled but my rating is still very poor. Now I have a mobile phone contract and a credit card with a small limit that I pay off in full every month. Over time my rating will now go up, but without checking Noddle, T-Mobile would still be wrecking my credit rating without my knowledge.
    Originally posted by MoneyMousey
    I see, thanks for that. Well, the first default was in 2007 so it should drop off next year. It's a rum do when you've made mistakes, done your best to sort things and people are still trying to screw you over. This time next year, there will be a lot of things dropping off my CF, will be interesting to see what happens then.
    Hi, my name's Katy and I'm a (former) spendaholic!

    NSD - November Challenge - 7/10

    5/11/12 - 7 Weeks to Christmas Weight Loss Challenge! 2/14
  • Diet1985
    We have registered for both of us,
    Mr has a 1/5 score which we expected as the defaults are in his name.
    However
    Mrs has a 2/5 score, with no defaults or late payments
    she has 1 credit card which is 90% maxed but being paid off and has no ther credit arrangements,

    How can we improve her credit score?
    Sofa £294.75 Current £941.33 Credit Card £998.59 Loan £6434.69 Credit Card £3900 Total = £12569.36
    Current
    Sofa £294.75 Current £941.33 Credit Card £998.59 Loan £6434.69 Credit Card £3900 Total = £12569.36
    Nov £10 Day - £50.16/£300
    • Stewart_78
    • By Stewart_78 2nd Nov 12, 2:27 PM
    • 412 Posts
    • 339 Thanks
    Stewart_78
    Possibly poor by association with you?
    • Stewart_78
    • By Stewart_78 2nd Nov 12, 2:41 PM
    • 412 Posts
    • 339 Thanks
    Stewart_78
    Anyone know if the balances on Knoddle are accurate? Mine are all higher than Payplan say they should be.
    • Olliegami
    • By Olliegami 2nd Nov 12, 5:15 PM
    • 372 Posts
    • 764 Thanks
    Olliegami
    Their balances are often a month or so out - they collect the data on a day when they are given it by the companies you have credit with, and simply give you their most up to date numbers when ever your credit report is re-produced each month.
  • sky-falldown-allfalldown
    Noddle not free?
    urm am I missing something here - I signed up for a "FREE" account, and then the usual hidden fees introduce themselves for a proper breakdown of the credit file.

    The free file is basically a list of addresses and accounts, and it is near impossible to cancel the account...

    any advice?
    • fermi
    • By fermi 25th Oct 13, 11:13 AM
    • 39,033 Posts
    • 46,819 Thanks
    fermi
    Yes, you are missing something. Your credit file is actually the factual account information, public records etc, that you see.

    That is your credit file. That is what lenders check against. They base their judgement on the factual stuff, not the nonsense and worthless extras that the CRAs con customers into paying for.
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com

    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • johncsadler
    Using Noddle
    I had a query today from a peer to peer company saying a forwarding address appears on my equifax credit rating. I looked and the 'free' offer from equifax, then found out about Noddle. Having registered with Noddle and received my report I could see why the query was raised. Thanks Noddle, I am a believer!
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