MSE News: Consumers to get free credit reports from Callcredit

fermi

Now had my noddle.co.uk password.

I'll post more later....

Consumerist

fermi wrote: »

Now had my noddle.co.uk password.

Me too. Just having a poke around with it now.

We're off at last.

fermi

The full callcreditcheck report shows all 9 accounts that I would expect to see on there.

The noddle report only shows 3.

Consumerist

fermi wrote: »

First impression is not good.
The full callcreditcheck report shows all 9 accounts that I would expect to see on there. The noddle report only shows 3.

That seems odd because I thought the two databases would be identical with only the presentation differing.

Anyway, still poking around . . .

fermi

Consumerist wrote: »

That seems odd because I thought the two databases would be identical with only the presentation differing.

Anyway, still poking around . . .

I think it's because they didn't enter my two previous addresses when they created the noddle account. Whereas, on the callcreditcheck one they are included.

The data set used will be the same, but as the noddle report has been generated with incomplete info, the info returned for the report is also incomplete.

The noddle report doesn't seem to have any way to add the extra address info either.

1jim

Just got my noddle password and will look at this later, but I am confused, when I logged into callcredit after verification I could see my accounts etc- I (wrongly) assumed that what I could see on callcredit was what I was supposed to see- am I going to get charged for this as it wasnt via the noddle website?

money_fool

Fermi - mine was OK - it actually showed some Barclaycard accounts that never appeared on the other CRA reports. I have used the Call Credit service previously when I was doing the CRA clean up process so not sure if that's made a difference

Consumerist

1jim wrote: »

Just got my noddle password and will look at this later, but I am confused, when I logged into callcredit after verification I could see my accounts etc- I (wrongly) assumed that what I could see on callcredit was what I was supposed to see- am I going to get charged for this as it wasnt via the noddle website?

No you should not be charged (assuming you used the link provided in the Noddle email). The email does explain this.

Must confess, I'm not sure what will now happen regarding the free CallCredit account which we all now seem to have in addition to the Noddle account.

fermi

money_fool wrote: »

Fermi - mine was OK - it actually showed some Barclaycard accounts that never appeared on the other CRA reports. I have used the Call Credit service previously when I was doing the CRA clean up process so not sure if that's made a difference

Credit reports are always a bit 'fickle'. It's a case of linking together many different sets of data from different sources to generate a complete report.

Sometimes the links are all made and everything shows up.

Sometimes they are not, and a lot can appear to be missing.

Sometimes an old account that you forgot about suddenly appears on a particular report because a link that previously wasn't made for some reason now is.

In my case, it's clearly the failure to search data on my previous address links that is stopping many accounts showing up. I had the same thing last time I used Experian. They didn't show up until I insisted they compile the report using the FULL address history.

jamesd

I've now obtained my report via Noddle. One note on the Noddle report is that if you ask for on there it seems to obtain a new one even though you received one via Call Credit during signup. Not harmful, though.

The Noddle presentation is much more like a statutory credit report than the Call Credit presentation. I like that. Doesn't seem to provide the "minimum payment only" flag for credit cards.