MSE News: Noddle to offer free credit reports

JimmyTheWig

Looks like it's as and when their system decides, then!

natscat84

Hmmm - just got mine and it's no way as detailed as the one I got from Credit Expert. Lots of stuff missing

nottoolate

JimmyTheWig wrote: »

Looks like it's as and when their system decides, then!

i think saying on average once per month would be a more honest way for them to put it


cant really complain though as its free

nottoolate

just looking at the dates mine was updated

14/02/2012
03/01/2012
08/12/2011


so yes. once a month +- about a week

MotorcyclesFish

I personally love this site and don't care if it's not quite as detailed, it gives me an overview of what's going on. More importantly I hope it makes them some money from the ads as I don't want this facility to stop, I want it to put pressure on Equifax and Experian to offer free reports as well - they operate like absolute charlatans and this period of credit reports being a profit-making exercise in and of themselves has to end.

Well done Noddle and good luck for the future. I personally don't care if it's not quite exactly 30 days between refreshes, I sincerely doubt you have systems as powerful or a staff as numerous as the big two so I reckon this is just some smart load-balancing on the systems to make sure they're always available.

:T:T:T:T

JohalaReewi

natscat84 wrote: »

it's no way as detailed as the one I got from Credit Expert. Lots of stuff missing

That's probably because it is the data from CallCredit. They tend to have lots of stuff missing because it doesn't get reported to them.

Cell

MotorcyclesFish wrote: »

I personally love this site and don't care if it's not quite as detailed, it gives me an overview of what's going on.

The detail is far, far better than Equifax's subscription based offering which doesn't give stuff like balances, payments etc in anything like as useful a format.

There is nothing at all missing from my record over the years, and it includes my interest free loans for Zebra Finance (season ticket loan) over the years which Equifax simply doesn't have.

The pain is that it's monthly, but this is a rare occasion where you do get summat for nowt!

I still don't understand why all data is not downloaded to all of the three CRAs by lenders. Their main purpose, after all, is to provide accurate and consistent data to lenders when they try to risk assess an application.

DCFC79

Its not bad for free,

Justicia

DCFC79 wrote: »

Its not bad for free,

Totally agree. For the "price," it tells me all I need to know

Cell

It tells me more than Equifax for £7.50 a month less.

In exchange for being free I accept that I can only update it once a month, but as a product it's far superior.