Noddle credit score

YorkshireBoy

fawnsinthegarden wrote: »

Seeings as the 'credit scores' do not relate to credit worthiness, they relate to the healthiness of your credit report I'm confused why you would think the 4/5 would be incorrect? Seems about right to me assuming you haven't got adverse credit history. As they do not lend they aren't judging you on their lendability. It amazes me that people say that the score given is meaningless, it is meaningless if you think it relates to credit worthiness, it is not meaningless if you know it relates to the information in your report and is an indicator of how to make your report appealing, nothing else.

I never said 4/5 was "correct", and I think you've maybe misunderstood the point I was trying to make?

I know I wouldn't be accepted for further credit (or if I was I wouldn't get anything like a decent credit limit) at the moment, due to my credit file. But if I didn't (already ) know what you've said above, I could be lulled into a false sense of security (like many of the first time posters to this board) thinking that 4/5 would mean I'd be accepted/given a good credit limit...and then come ranting on here when they've declined me.

YorkshireBoy

CreditCrunchie wrote: »

Noddle only show a few of my accounts - two to be precise, so not exactly accurate lol.

...whereas Noddle has all my accounts listed - every last one!

Search wise, BoS are there (for my first Vantage account in Jan 2013, but not for the other 2 opened very shortly afterwards), but Nationwide are not (for any of the 3 FlexDirect accounts I opened in April 2013).

amstel2

Hello

It gets more bizarre. Last year I used the credit card soft search tool on here & Moneysupernarket & as expected both said couldn’t recommend anything apart from credit rebuilding cards (that I already have).

Now all the bad stuff has gone I tried soft search again (as I want a o% BAL trans deal). Both came back with Barclaycard at a 9/10 chance of acceptance on top followed by Capital One on 8/10 & a few others on 7/10. However, when I tried a soft search on the Capital One site it said I prob wouldn’t get it. Also Barclaycard where one of my creds in B/R & I’m sure I read somewhere ex-creds keep records for 7 yrs so I think that’s a non starter.

So obviously a lot of this seems to contradict Noddle who couldn’t recommend anything.

Thanks