Noddle Free Credit Report

rainbowj63

Hi have just done my Noddle credit report was very easy, but score was 1 out of 5, I expected it to be bad but was also shocked how little info was listed. There was my bank account showing okay as no issues there as never had an overdraft and there was my current pay day loan (yes stupid me) I have a few and swore I would not get anymore but my partner has been late giving me his rent and its stuffed up my budget so I quietly did another one which is all up to date, so wish these had never been invented.
The only debt listed was an old debt which should be statuted barred which Lowell had bought, they list themselves as the lender which they were not, they were last on the list of about ten different DCAs who had bought some consumer credit debt when I had gone loopy loo about four and a half years ago, I was wanted to leave them to go Statute barred and they may be nearer five years old, but not sure what to do about this on my record. I would like to improve my credit report, as one day I may want to buy a house god forbid, its seems unlikely, I have no credit card just a bank account, was wondering if anyone could shed some light on my rating, thought there would be other debts listed if it was showing so low,
as the Noddle report seems so sparse would other credit reference agencies have much more info on them ie,. all my misdeameanors listed.
Has anyone else experience of Noddle.

PDF

With my experience, equifax held much more information about me. Noddle only had a few of my accounts and not all of them.

You say your debt should be statute barred but say it is only 4 - 5 years old. Needs to be 6 .

taffy056

PDF wrote: »

With my experience, equifax held much more information about me. Noddle only had a few of my accounts and not all of them.

You say your debt should be statute barred but say it is only 4 - 5 years old. Needs to be 6 .

Unless in Scotland where it is 5 years

taffy056

Noddle is very limited IMO so maybe looking at experian and equifax will give a fuller picture, you can access them through quidco and earn some cash back and the first month for free, or go for the £2 option to get credit files in print.

fermi

It varies who your lenders are/were.

For me, Noddle/CallCredit showed every account that should have been there.

May be an atypical experience on my part. :cool:

swanfan02

fermi wrote: »

It varies who your lenders are/were.

For me, Noddle/CallCredit showed every account that should have been there.

May be an atypical experience on my part. :cool:

Noddle shows all my accounts as well.

fermi

swanfan02 wrote: »

Noddle shows all my accounts as well.

Well, I should really say that all mine did show. Which was quite a selection.

Most have now dropped off after 6 years.

mildredalien

Noddle does show a fair amount of info - but you may click the little plus sign next to the debts, or go to the closed account section to see more. Pretty sure Noddle had all my accounts, same as Equifax and Experian when I checked those.

katy_ann

My noddle report was also 1/5, I was quite shocked

char22

when a "nasty" drops off your account after 6 years , is it 6 years from the date you got the acount or 6 years from when you've defaulted ?
Many thanks x

fermi

If you were defaulted, then it's 6 years from that.