Noddle Credit report not showing mortgage

guesswho2000

BugsyBrowne wrote: »

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.

That surprises me, everything I have is on Noddle as it is on Eq/Ex (except electoral roll info for some reason, since I've moved it updated with the others but not CC yet...).

The only thing I can't see account wise is my Halifax accounts, but they're recently opened - I haven't seen them on any report yet, but got an alert from Equifax, so they are there now - I'll check Noddle at the end of the month when it refreshes.

jamesd

BugsyBrowne wrote: »

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?

It's not incorrect. It merely lacks the extra information that some credit card issuers report in my case.

BugsyBrowne wrote: »

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.

Mine is a true reflection, except for non-consensual accounts that are on none of the reports, any searches that might have been performed at only one CRA and the formatting. I've looked at the reports on me from all three and know what credit accounts I have.

How complete it is will depend on good address matching and which credit accounts you have.

Your assertion that it is not complete enough may be true in your specific case but that is not the experience of everyone.

Tixy

The only way to know of all the potential things that could show up on a credit search performed by a potential lender is to get copies of your file from all 3 agencies.

Its true that callcredit/noddle is still the smallest of the 3 agencies (as in the least amount of credit information across the whole population) but it is growing in size, more lenders are starting to search and report to it.

BugsyBrowne wrote: »

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?

Nothing suggests it is incorrect - it is correct for the data that creditors/lenders report to that particular agency. It could be argued to be incomplete but so could experian and equifax credit reports.

BugsyBrowne wrote: »

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.

Neither is your experian credit report a true reflection of what your actual report looks like from a callcredit point of view.