MSE News: Consumers to get free credit reports from Callcredit

edited 30 November -1 at 1:00AM in Loans
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  • chexumchexum Forumite
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    I registered in the morning, and received an email just this hour confirming it.

    Moneysupermarket's smart search seem to have ties with Callcredit, and it provided a nice way of checking your overall (rough) credit status. Perhaps they are those partners. Even if from the least used CRA, free access to full credit files is not something I would ignore...
    Enjoy the silence...
  • fermifermi Forumite
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    Yep. Just got that...
    Hi,

    Thank you for your interest in Noddle and for registering your e-mail details.

    We will contact you as soon as we can welcome you into Noddle.

    Noddle gives you access to your free credit report for life and helps you to put it to good use to. We will search the market to find you the best credit cards and loans available to you based on your credit rating, giving you a short, relevant list of products to choose from tailored to you and your needs, and a clear view of the likelihood of being accepted. And, what’s more, we will give you access to a great range of money savings vouchers and offers that you can personalise to suit you.

    If you’ve any questions or need any further information in the meanwhile just email us at [EMAIL="register@noddle.co.uk"][email protected][/EMAIL] and we’ll get back to you as soon as possible.

    Kind regards

    Vicci

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

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  • farfar Forumite
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    Don't forget about Annual Credit Report who also issue free annual credit reports using the Callcredit agency already....
  • chanz4chanz4 Forumite
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    I did it this morning, I think they will launch in september
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • ConsumeristConsumerist Forumite
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    chexum wrote: »
    I registered in the morning, and received an email just this hour confirming it.
    . . . Even if from the least used CRA, free access to full credit files is not something I would ignore...
    Got my confirmation email too. Hopefully, other CRAs will be encouraged to follow suit or buckle under political pressure if this proves popular.
    >:)Warning: In the kingdom of the blind, the one-eyed man is king.
  • jamesdjamesd Forumite
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    Annual Credit Report does now charge a once only setup fee of £5 though. For anyone who needs a report before September that makes the £2 to get a statutory credit report from Call Credit a better buy. Still free for those who signed up before the signup fee was introduced.
  • fermifermi Forumite
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    Looks like next week before they start the service for those who have pre-registered.

    http://twitter.com/#!/useyournoddle/status/81464671655313408
    we are registering people now. Have you signed up? We will start opening doors from next week, in stages
    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
  • katsukatsu Forumite
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    I've just pre-registered, no email just the message on the site when you hit submit.
    Debt at highest: £8k :eek: Debt Free 31/12/2009 :D (ten years and counting :j). Original MFD May 2036, MF Dec 2018. Save £12k in 2020 member #41
  • edited 18 June 2011 at 2:21PM
    Norman_ClinkerNorman_Clinker Forumite
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    edited 18 June 2011 at 2:21PM
    Callcredit may be slightly smaller in terms of turnover than Equifax, (but catching fast and may be higher by the end of the year, or so I'm told!) but the financial data they hold is the same as both Experian and Equifax. The key is that they don't have the same search footprints from lenders as those guys.

    So... if you want to see the current state of your credit file Noddle is the way to go - because it will be the same for all the agencies (except in some extreme cases, in which case any one agency may be more accurate than the other two).

    But, if you want to see who is searching your credit file, stick with the others - most especially Experian, which has about 70% of the search footprint market.
  • edited 19 July 2011 at 2:20PM
    jamesdjamesd Forumite
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    edited 19 July 2011 at 2:20PM
    Call Credit, via AnnualCreditReport, has only a small percentage of my credit accounts reported on it: one current account and one mobile phone. Not the other two current accounts, none of the credit cards and not a loan, nor the mortgage. That's pretty normal.

    This makes Call Credit a pretty poor choice if you really want to see the current state of your credit file, in part because of the lack of financial data and in part because it's seldom used by lenders. It is good for checking that things like electoral roll presence are being accurately reported to CRAs and to check for things like bogus public records entries such as CCJs.

    If you want a really good picture you'll need to use a place like Experian or Equifax, not Call Credit. If you're one of those where Call Credit happens to hold a lot of data about you then you might get away with just using Call Credit. Certainly a good deal if you can get away with just Call Credit.

    Update: Call Credit via Noddle showed all the accounts it should have shown for me, missing only a couple of old accounts where I hadn't originally given consent, which were present on one of the other reports.
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