Noddle Credit report not showing mortgage 12 August 2012 at 10:23PM edited 30 November -1 at 1:00AM in Credit File & Ratings 13 replies 15K views

oopsadaisydoddle

Hi,

Sorry if this is in the wrong place - wasn't sure where to put it as it's not strictly a mortgage question.

I have just checked my free noddle credit report and my mortgage isn't showing on there...would that be because certain companies only report to certain CRA's?

I only got my noddle report out of interest with it being free and everything else is as it should be. Last time I got my Experian and Equifax ones was when we took the mortgage 18mths ago and I don't really want to pay for theirs now when I'm not looking at taking credit. Everything on those at that time were fine as well, but obviously the mortgage wasn't on those because it was before it was taken out.

Sorry for waffling - just come back off hols and am tired! Should I be concerned or is it normal for only certain reports to show certain things?

Thanks in advance!

JuicyJesus

Noddle is CallCredit, and most but not all banks and lenders give data to CallCredit. One of my credit cards does not show on CallCredit, nor do any of my mobile phone accounts whereas they do on Experian and Equifax.

Frankly I would not be worried, because virtually every lender or other company will use CallCredit as a second option at best. The only real exception, as far as I'm aware, is Skipton Building Society, simply because they owned CallCredit.

BugsyBrowne

That's why I cannot get my head around why people big up this noddle credit report when no lenders even use the damn thing.

oopsadaisydoddle

Thanks for replying!

I didn't think it would be too much to worry about, just wanted to make sure! As I said, have no intention of applying for credit but when the time comes for shopping around for mortgage deals at the end of our fixed rate, I'll check Experian and Equifax then, if needed.

Thanks again!

JuicyJesus

BugsyBrowne wrote: »

That's why I cannot get my head around why people big up this noddle credit report when no lenders even use the damn thing.

Because it's free, and it gives a good indication of what will be on the other CRA's reports. It will almost certainly show CIFAS records, defaults and other such nice things, which are the main things that will immediately kibosh a credit application.

MonkeyDan

Which lender is the mortgage with?

oopsadaisydoddle

MonkeyDan wrote: »

Which lender is the mortgage with?

Newcastle Building Society.

debrag

All my creditors are on Noddle, used checkmyfile before and not all were showing - some on callcredit, some on equifax, none on experian.

jamesd

BugsyBrowne wrote: »

That's why I cannot get my head around why people big up this noddle credit report when no lenders even use the damn thing.

None like NatWest, First Direct/HSBC/M&S, Santander, Barclaycard, Virgin, Zopa, O2 all showing up there?

Not all providers show up on all reports. How much shows up at Noddle depends on the particular credit accounts. Accounts opened before around 1999 may not show up on any credit report because consent to report wasn't routinely obtained by all lenders before then.

The Noddle report is very useful for what it contains, even though it is sometimes incomplete and doesn't show the extra information reported by some credit card companies.

oopsadaisydoddle

Thanks folks for the info.

My cc is on there as is my bank acc with Halifax and also my phone with Orange. That's all I have anyway apart from the mortgage. I'll just take it that Newcastle don't report to noddle.

There were also some searches showing for insurance quotes for last week which I never instigated. When I read the info about this it said it wouldn't affect things in any way. I was a bit concerned though because I had not searched for any insurance but wondered if it might be something that was automatic because I'd previously used comparison sites at this time of year for old insurance - will they automatically re-search my files?

BugsyBrowne

jamesd wrote: »

None like NatWest, First Direct/HSBC/M&S, Santander, Barclaycard, Virgin, Zopa, O2 all showing up there?

Not all providers show up on all reports. How much shows up at Noddle depends on the particular credit accounts. Accounts opened before around 1999 may not show up on any credit report because consent to report wasn't routinely obtained by all lenders before then.

The Noddle report is very useful for what it contains, even though it is sometimes incomplete and doesn't show the extra information reported by some credit card companies.

You say the noodle credit report is very useful for what it contains which means your quite happy to look at an incorrect report then?

Yes it's free I agree but it's not by no means a true reflection of what your actual report looks like from an Equifax & experian point of view.