help? sky in my name,i owe money but my ex should pay

amyegg2k

billinghamfan wrote: »

Noddle is free.

is it safe?

billinghamfan

what do you mean by safe?

amyegg2k

well ya have to put ya card details in dont ya? lol.. im just very protective about my money

billinghamfan

The details you enter are just to confirm who you are.

They do not take any money off you and will not pass your bank details on to anyone.

amyegg2k

just tried to register and it says this


We’re sorry but we’ve not been able to provide you access to your Noddle credit report.
As your credit report contains such personal and important financial information we need to make sure that we only make it available to the right person and unfortunately we’ve not been able to automatically verify and validate your identity at this time.
We’re continually making updates to our processes and we hope that this will allow more people to be automatically matched so please do come back in the future and try again.

Tixy

Sounds like he means that there is a default on there - and that now its paid it will show as a satisfied default.

If so a satisfied default will stay on your credit file for 6years from the original default date - and will look very bad to potential lenders - that said if you never use credit anyway perhaps it won't make a huge difference to you.

There are 3 credit reference agencies - the sky account could show on 1, 2 or all of them

They are experian, equifax and callcredit (which is now branded as noddle).

You can get a free access to your noddle report. To get the other 2 you either need to pay for the £2 statutory files (£2 per agency) or there are free trials you can sign up to (only free if you cancel within the trial period).

When you sign up online for the first time they do have to check your identity, sometimes they have to send you a form in the post. This is especially likely for people who have very little credit, who have moved recently, who are not on the electoral roll or who have unusual address formats. Getting the £2 postal reports can sometimes work out quicker for people who cannot be verified easily online.

If you've never checked yoru reports before how come you believed you had a perfect credit score?

billinghamfan

Are you on the electrol roll?

Have you been at your current address for more than a few months?

Is your card registered at your current address?

This will be the most common reasons for not being able to get your credit report online. These will also affect your credit rating.

If you try experian or Equifax you will get a month free and you will probably have to wait till a pin is sent out to get access if they can't verify your address.

amyegg2k

dont think im on elecrtol roll
ive been at this address 2 years... previous address 2 years.. onebefore than bout 1 year... ive put them all in.... any card is registered to this address..... why would they affect credit rating??

i wanted an instant free one as im bount to forget to cancel the other and get charged lol...

i never use credit but once i get a job i was wanting to get a mortgage with my finace( who does hve bad credit)... so i was hoping it wouldnt hinder that

ineed

amyegg2k wrote: »

just tried to register and it says this


We’re sorry but we’ve not been able to provide you access to your Noddle credit report.
As your credit report contains such personal and important financial information we need to make sure that we only make it available to the right person and unfortunately we’ve not been able to automatically verify and validate your identity at this time.
We’re continually making updates to our processes and we hope that this will allow more people to be automatically matched so please do come back in the future and try again.

This seems to be happening a lot, there was a thread on the credit card forum about certain cards having problems on noddle. Trying again a bit later seems to work for some people.

Edit: not being registered on the electoral role could be the problem.

billinghamfan

Lenders use electoral roll information to quickly and easily confirm your identity and residency.
Companies looking at the electoral register want to see that you have been registered at the same address for a while.
Being registered on the electoral roll for some time will improve your chances of being accepted for a credit application as it shows a sign of stability.
Mobile phone contracts and store cards in particular are often refused because of a lack of electoral roll information.
A lot of lenders will also become concerned about the possibilty of a fraudulent application if the applicant is not registered to vote at their current address.
Having your name on the electoral register will help dispel concerns about your application being fraudulent.
Being registered for some time will show potential creditors that you are stable and less likely to move around, meaning that you are more likely to repay your creditors and not go ‘Off the Radar’.

Not written by me but explains things better than I would.