Call Credit (Noddle) refuse to make corrections

analyst_2

I find myself in a ridiculous situation here, please bear with me and your suggestions are welcome.

Have spoken to Halifax re Clarity card application. Halifax says they take a credit report from all 3 credit reference agencies and if any one shows a problem they will reject.

I have obtained my Noddle credit report. Here's where the problem starts. Since birth, I have been called by my middle name, in fact it really is the only one I recognise. But formal documents record in standard First Name - Second Name - Surname order. So my (middle name) credit reports, all get max scores and are fine. But they do not show me as being on the electoral roll, which is First Name - Surname, even though I have been on it with this council for 30 years and 10 years in my present house.

Without that electoral roll entry my credit card applications will be blocked.
I resolved this about 2 years ago with Experian, very simply by submitting their form to add an 'alias'. All done in a matter of days.

I have written to Noddle and they refuse to make the same 'alias' link in my names, saying "we cannot add an alias to your credit report. Aliases are provided to us directly by lenders when they have evidence that another name is linked to your current name[FONT=&quot]" But, as I pointed out to them, I shall never be applying to a 'lender' as such, only a credit card application. And that will be rejected on the credit check because there is no alias proving my electoral status.

I now see this becoming an endless loop. I hope I am making sense to you.

How can I force Noddle to accept my alias application in a like manner to the other CRA's?
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sfax

Have Halifax actually rejected you? If they haven't, I would't bother correcting the CallCredit data. It's seldom used for anything important with respect to credit applications.

BugsyBrowne

I agree with above.

Like to know where this big fascination for Noddle has come from'yes I know its free but no blo0dy lender searches them.

analyst_2

Thanks for responses guys.
I actually called Halifax Clarity applications yesterday (on the telling bone) and that's what the lady told me - they search all 3, and if any one shows a glitch they'll reject.

I argued what if one shows all good and another doesn't. I then got the telephone equivalent of a shoulder shrug.

So I told her there seems little point in me actually making an application as it would appear that all I'll get out of it is a black mark on my credit file. She said there was nothing she could do about it.

zerog

So what you are saying is that you have decided to use your government name for some organisations and your private name for others. Why would you do this? No organisation cares what your friends and family call you.

analyst_2

Its not a conscious matter.
If your, long forgotten, birth registration says Frederick Joseph Bloggs but throughout your entire life have only ever been called Joe Bloggs you tend to respond to that name. You sign up for billing in that name, you get listed in the telephone directory in that name, it becomes what you think of yourself as . . Joe Bloggs.

No organisation cares what your friends and family call you.

But they do care. Most organisations you become party to would not think of you as Frederick Bloggs. If you sit in the doctor's waiting room and the receptionist calls out "Frederick" you wouldn't even respond to it - out of oblivion, not intentionally.

Farside

BugsyBrowne wrote: »

I agree with above.

Like to know where this big fascination for Noddle has come from'yes I know its free but no blo0dy lender searches them.

Incorrect, I know these ones do:

Alliance & Leicester,

Bank Of Scotland,

Bristol & West,

Britannia,

Halifax,

Intelligent Finance,

Lloyds TSB,

Skipton BS,

Yorkshire BS

guesswho2000

BugsyBrowne wrote: »

I agree with above.

Like to know where this big fascination for Noddle has come from'yes I know its free but no blo0dy lender searches them.

Normally I'd agree, but Halifax are one of the odd ones which appear to not only search them, but it's a full credit search rather than an id verification.

However, they don't search Equifax, or at least didn't for me when I took out my Clarity card or Reward Current Account (in fact, for me, only RBS/NatWest, Barclaycard and Sygma/Creation appear to search Eq).

Additionally, Callcredit (Noddle) didn't report my electoral roll status until recently either (and didn't when Halifax searched them either time), yet they didn't care about that (it did show on Experian, which seems to be the file the vast, vast majority of lenders search).

EDIT: And as for Farside's post, LTSB, Bank of Scotland, Halifax and IF are the same banking group, so those I expect will do; Alliance and Leicester doesn't exist (absorbed by Santander, who don't search CC/Noddle, in my experience).

sfax

Farside wrote: »

Incorrect, I know these ones do:

Alliance & Leicester,

Bank Of Scotland,

Bristol & West,

Britannia,

Halifax,

Intelligent Finance,

Lloyds TSB,

Skipton BS,

Yorkshire BS

Have you applied for all of these recently or is this inside information? I have a new BOS credit card and they definitely didn't search CallCredit. The only searches I have on CallCredit are all soft for insurance quotes, AML and ID verification.

For credit searches last 12 months I have: Experian 8, Equifax 2 and CallCredit 0 (and although they only go back 2 years, I've never had a credit search on CallCredit spanning about 10 years and probably 30 new credit agreements)

Farside

sfax wrote: »

Have you applied for all of these recently or is this inside information? I have a new BOS credit card and they definitely didn't search CallCredit. The only searches I have on CallCredit are all soft for insurance quotes, AML and ID verification.

For credit searches last 12 months I have: Experian 8, Equifax 2 and CallCredit 0 (and although they only go back 2 years, I've never had a credit search on CallCredit spanning about 10 years and probably 30 new credit agreements)

Here's a direct link to the info:

http://www.moneysavingexpert.com/credit-cards/credit-reference

guesswho2000

Farside wrote: »

Here's a direct link to the info:

http://www.moneysavingexpert.com/credit-cards/credit-reference

...which hasn't been updated since 2008...