Noddle/Experian/Equifax

VK-2008

Hi
just logged on to noddle for the first time and it is saying my rating is 3/5 which surprised me, never been knocked back for credit, all bills paid and up to date, on voters roll, i have a mortgage and no loans, have credit cards two (total 10k)
my bank automatically keep upping my limits automatically which i keep decreasing, i thought i was a safe bet so to speak.
i am going to log on and check experian and equifax but just wondered how reliable noddle was as i havent heard anyone using them before

all opinions welcome

matttye

Don't pay any attention to credit scores generated by CRA's. They can give a rough idea of the state of your credit report, but as you've seen yourself you could do everything right and still be given a low or mediocre score! Each lender has their own criteria for lending to you that has nothing to do with the way CRA's score you.