Card to improve credit rating with Experian and Equifax

*mudangel*

Equifax and Experian reports were a bit tricky to get - possibly because I've both moved house and married in the last two and a half years. Still, they weren't impossible, just needed to submit ID. Noddle doesn't give a suggestion as to how I can get any info, which seems a bit flakey...

Anthorn

*mudangel* wrote: »

I tried registering for Noddle, but they "haven't been able to verify and validate" my identity, so can't provide my credit report. There's no suggestion as to how I can prove my identity. According to the site I just have to wait until they've "made updates to their processes" to "allow more people to be automatically matched", so I was a bit nonplussed with it all. I could drop them an email - it's a bit irritating to think that I can't see the information which they may be providing to creditors about me.

The only thing I can think of is that your bank or credit card issuer is not reporting back the address attached to your card, assuming that you entered the number of a debit or credit card. Not all of them do that. But they do have to be careful in verifying ID.

*mudangel* wrote: »

I'm reluctant to take out a contract mobile, because I've got a landline and have been quite happy with PAYG for years.Moreover, work provide me with a beautiful iPhone which I'm allowed to stick apps on and the like, provided I pay for that stuff myself. I simply don't think I use my mobile often enough for it not to feel like a waste of money. Will consider it though - thanks for the suggestion!

A contract mobile phone is not absolutely essential. It's just one of those services which reports to CRAs and is another notch on your greens.

pool-hustler

So which card is most likely to accept a rating of "Poor"

zerog

Noddle has done something very annoying to me, it now automatically generates a report every 21st of the month. Previously it would generate one only when I logged in, as long as it has been more than one month since my last log in. Also, reports that I generated on the callcredit website used to show up on noddle, but not any more.

I had worked out that most of my banks update it around the 25th, so now I have to use the callcredit website instead of noddle. I hope they won't disable my account there.

Anthorn

pool-hustler wrote: »

So which card is most likely to accept a rating of "Poor"

I'd say Vanquis is the most likely.

Try this little exercise: Go to http://www.moneysupermarket.com Money > Credit Cards and "start search" at the top of the page choosing a purchase card and completing the rest of the questionaire. It will list the best cards you're most likely to get with a chance score out of 10. You'll also get your Noddle credit rating and the same info on cards by email.

Anthorn

zerog wrote: »

Noddle has done something very annoying to me, it now automatically generates a report every 21st of the month. Previously it would generate one only when I logged in, as long as it has been more than one month since my last log in. Also, reports that I generated on the callcredit website used to show up on noddle, but not any more.

I had worked out that most of my banks update it around the 25th, so now I have to use the callcredit website instead of noddle. I hope they won't disable my account there.

Can't satisfy all of the people all of the time. Most of my accounts update on or around the 17th.

BugsyBrowne

Anthorn wrote: »

I'd say Vanquis is the most likely.

Try this little exercise: Go to http://www.moneysupermarket.com Money > Credit Cards and "start search" at the top of the page choosing a purchase card and completing the rest of the questionaire. It will list the best cards you're most likely to get with a chance score out of 10. You'll also get your Noddle credit rating and the same info on cards by email.

You work for Noddle Yes or No?