MSE News: Consumers to get free credit reports from Callcredit

edited 30 November -1 at 1:00AM in Loans
115 replies 29.7K views
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  • fermifermi Forumite
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    Presumably a Visa debit would also be OK for the signup?
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  • masonicmasonic Forumite
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    fermi wrote: »
    Presumably a Visa debit would also be OK for the signup?
    I'd be surprised if debit cards weren't allowed. I think the wording of the email may be a bit misleading in that respect.

    I'm actually quite impressed at the amount of information Callcredit has about me. I was under the impression that it didn't collect information from as many places as Experian or Equifax, but I have compared this report with reports from last year from the other two CRAs and can't see anything missing.
  • edited 19 July 2011 at 11:40AM
    SnowManSnowMan Forumite
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    edited 19 July 2011 at 11:40AM
    I've received the Noddle email mentioned above in post 29 this morning (having registered earlier for the trial of course).

    Have been able to access my report successfully. Never looked at my credit report before so useful to see that all seems to be in order, but also means I can't usefully comment on the level of detail. Nothing obviously missing though.

    Can't access my callcredit credit score, says I have already retrieved a credit score for this month when I try top get this (very odd as obviously haven't). Edit: I see from the original news items that credit scores aren't available.

    It is slightly offputting having to put in your credit card details which shows the £12 but the email covers that quite clearly (i.e. no charge) so not overly concerned there. I used a credit card by the way.

    Easy to untick the box to say you don't want to receive marketing communications which is good, was thinking they would make it more difficult to opt-out.

    There is a box on the right when you log-in 'find great credit card and loan deals on-line now' which is what they are hoping people will click on. Presumably they are picking up referral fees from that which they hope will more than cover the cost of giving free membership.

    It has always seemed to me to be wrong that you can't access your credit report for free (ignoring the free trials with the credit reference agencies which you cancel straight away and the £2 data protection request route), but this looks at last a way to do that albeit it is only one credit reference agency.
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  • ConsumeristConsumerist Forumite
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    SnowMan wrote: »
    . . . It has always seemed to me to be wrong that you can't access your credit report for free (ignoring the free trials with the credit reference agencies which you cancel straight away and the £2 data protection request route), but this looks at last a way to do that albeit it is only one credit reference agency.
    I agree. I think we should have a right to this kind of information about us for free and I would like to see this extended to such other things as SARs as well, even if limited to, say, once per year, for example.
    >:)Warning: In the kingdom of the blind, the one-eyed man is king.
  • BotanyBotany Forumite
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    Very interesting; I managed to log on and all seems as expected except I'm sure the information is not complete - they seem to have missed an account or two... I'll have to check again and give it some thought.

    I also agree with previous posters that this sort of information should be accessible for free; after all, these are my own personal bits of financial information.

    So all in all it's a thumbs up for Noddle for me at this stage :beer:
  • edited 19 July 2011 at 12:29PM
    ConsumeristConsumerist Forumite
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    edited 19 July 2011 at 12:29PM
    SnowMan wrote: »
    I've received the Noddle email mentioned above in post 29 this morning (having registered earlier for the trial of course). . .
    I signed-up on the callcredit site yesterday but haven't received the password for the Noddle account yet. Got yours yet?

    Edit
    Sorry SnowMan, I misread your post - have amended the question
    >:)Warning: In the kingdom of the blind, the one-eyed man is king.
  • edited 19 July 2011 at 1:31PM
    SnowManSnowMan Forumite
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    edited 19 July 2011 at 1:31PM
    I signed-up on the callcredit site yesterday but haven't received the password for the Noddle account yet. Got yours yet?

    No not yet. It confused me as to why they mention that they will send you a password in the original email as per this line from their email
    Once you've successfully verified your identity and accessed your credit report we'll send you your personal password to access your Noddle account.
    When I clicked on the link in the email and then clicked on 'sign up' as instructed to do in the email I ended up completing the form and setting up my own password so can just log into callcredit using that. So doesn't make sense for THEM to send me a password, I just log in using the password I set up.

    Are we going to get a separate noddle (as opposed to callcredit) account and is it the password for that that what they are talking about? :think:
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  • edited 19 July 2011 at 1:59PM
    ConsumeristConsumerist Forumite
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    edited 19 July 2011 at 1:59PM
    SnowMan wrote: »
    Are we going to get a separate noddle (as opposed to callcredit) account and is it the password for that that what they are talking about? :think:
    My understanding is that initially we sign-up to the CallCredit site, for free, while they set up the Noddle account.

    If you go to the Noddle site and click on the "Have a look" link on the right, you'll see how the Noddle account looks. You have to wait until you get the password before you can actually log in to Noddle itself - the password for CallCredit is rejected.

    Edit
    You can also see what it looks like <here>.
    >:)Warning: In the kingdom of the blind, the one-eyed man is king.
  • edited 19 July 2011 at 9:43PM
    jamesdjamesd Forumite
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    edited 19 July 2011 at 9:43PM
    redmamoth wrote: »
    If you are missing so many accounts on your file then you should query it, my HSBC bank account is missing from all 3 and it turns out that because I opened it back in the 90's it's classed as 'non-consented' and can't be shown on my file.
    When viewed via the link to Call Credit's signup process sent in Noddle's signup invitation email, then clicking on the view report button after signup was complete the Call Credit record is as complete as it should be, just missing a couple of older non-consensual accounts.

    My original view was based on what Annual Credit Report showed me, something I already asked them to look into because they didn't even show my electoral roll entry.
  • ConsumeristConsumerist Forumite
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    jamesd wrote: »
    When viewed via Noddle the Call Credit record is as complete as it should be, just missing a couple of older non-consensual accounts.

    I take it you have received your Noddle password; how long after signing-on at the CallCredit site did you have to wait?
    >:)Warning: In the kingdom of the blind, the one-eyed man is king.
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