Noddle credit report

mildredalien

Hi DFW gurus, I have a question about my Noddle credit report!

I've had one for a while and it's just updated for May (previously was showing up until April). However it is now showing that I have gone from 3/5 rating to 1/5 rating.... although nothing significant has happened between April and June apart from me continuing to pay towards my debts on time!! I haven't moved, taken out new credit, missed or had a late payment, defaulted or anything. Anyone else had this experience or know what might be going on?

sistafromanothermista

Hi, i haven't but have read a few threads/ posts on here that basically say these numbers mean zilch/zero/zip/nadda/nothing.....

mildredalien

Yeah you're right, I'm just struggling to figure out what Noddle thinks has changed in the last couple of months except for me paying off more of my debt! I know the exact number/rating means little, but it doesn't feel good to plummet from 3/5 to 1/5 for no apparent reason!!

jobdone1

hi mildredalien well i thought i was going mad clearly not i log on to mine with Mays update it stayed at 3/5 thats great however log into wife's account both been clearing joint debt closing credit cards and old bank accounts from 1998 that we did not know we had but her rating has gone from 3/5 to 2/5 no late payments always pay bills not defaults ccj's nout so i am at a loss with their way of working out risk

sistafromanothermista

I wouldn't worry about it, if it doesn't mean anything who cares?:D

fermi

As long as the factual data is correct, that is OK. Noddle's messed up way of calculating a meaningless score is of no importance.

mildredalien

I went through and checked and everything is all green for the currently active accounts so I'll just ignore the score It just never feels good to be told you have zero chance of getting a good deal! Not that I am that interested in getting more credit at the moment, but would be nice to be able to get a 0% card at some point...