Noddle - Yay or Nay?

Jana83

I've been told by my boss that I can see my credit report for free by signing up to Noddle. This sounds too good to be true to me since you have to pay £2 for a one off statutory report or you can pay monthly for 24/7 access (WHY?).

Does anyone use Noddle and is it any good? Is it as in-depth as Experian (for example) or does it just give a general idea?

Thanks in advance :j

ganonman

I use Noddle and have never had any issues. I think it's fantastic! :-)

Just make sure you tick/untick the correct 'don't send me spam' boxes when you sign up.

The_Boss

What ganonman said

matttye

Noddle's good. Of the three, I find Equifax has the most intuitive credit report design, followed by Noddle and finally Experian. Experian's website is a bit of a mess.

You need to check all three to get a complete picture but using Noddle just to keep an eye on your history is fine. I would check all three before making any applications if I were you.

All of my accounts report to Noddle but none of my recent applications have searched Noddle when I've applied for credit.

fermi

It is excellent, considering the price.

Though you will still want to check the statutory reports (not score) with Experian and Equifax every so often, especially if you plan on any major applications. Noddle should not be depended on in isolation.

JustinCredibleGillespie

matttye wrote: »

Noddle's good. Of the three, I find Equifax has the most intuitive credit report design, followed by Noddle and finally Experian. Experian's website is a bit of a mess.

You need to check all three to get a complete picture but using Noddle just to keep an eye on your history is fine. I would check all three before making any applications if I were you.

All of my accounts report to Noddle but none of my recent applications have searched Noddle when I've applied for credit.

I've found the same thing mattye, none of my recent searches show up on Noddle either.

JCG

xx

Ktaylor86

Thanks for this thread... Never heard of Noodle before but just had a look as I have an impending mortgage application.

It great that its free :T

However it showed me financially connected to An ex who I split up with 5.5 years ago! Experian and Equifax don't show this anymore!

I did used to have a joint account with him but obv was closed over 5 years ago. And the account doesn't show on there.

I have flagged it with noddle using their online form but asked for his current address! I haven't got this as I haven't spoke to him in over 5 years so just mentioned that in the notes.

Has anyone had any experience of reporting errors to noddle? Was it dealt with quickly?

Also as he is showing as a financial associate will this negatively effect any credit decisions? Even though have no joint account or anything with him?

Thanks so much! :-)

Ps will start as separate thread if necessary! (Pls advise if best to do this)

Tixy

ktaylor

You have to file a notice of disassociation with each of the 3 agencies separately. Noddle should be able to change it pretty quickly.

As to whether it would affect any lending decision, it depends on what he has on his file. If for example he was bankrupt or had fraud markers on his account and a potential lender searched callcredit(noddle) then it certainly could.

Ktaylor86

Great thanks :-)

K

LolaLemon

Ktaylor86 wrote: »

Thanks for this thread... Never heard of Noodle before but just had a look as I have an impending mortgage application.

It great that its free :T

However it showed me financially connected to An ex who I split up with 5.5 years ago! Experian and Equifax don't show this anymore!

I did used to have a joint account with him but obv was closed over 5 years ago. And the account doesn't show on there.

I have flagged it with noddle using their online form but asked for his current address! I haven't got this as I haven't spoke to him in over 5 years so just mentioned that in the notes.

Has anyone had any experience of reporting errors to noddle? Was it dealt with quickly?

Also as he is showing as a financial associate will this negatively effect any credit decisions? Even though have no joint account or anything with him?

Thanks so much! :-)

Ps will start as separate thread if necessary! (Pls advise if best to do this)

I reported a santander account i did not have, the sent me a letter back saying it was a comet card i had (bought a tv with 6 months interest free, paid off in the 6 months and cancelled the card) and santander where the lenders behind it. i was impressed that a service i didnt pay for would send me out letters