Noddle Credit Score

The_Boss

I do challenge them - you just haven't seen it. And just because you haven't seen it that doesn't mean it hasn't happened.

There is plenty of proof that supports my case. Testimony of so many supports this too.

#a4afacts

GingerFurball_2

Each lender will score you individually based on what they know about you, which has nothing to do with your CRA score.

Gordon_Hose

GingerFurball wrote: »

Each lender will score you individually based on what they know about you, which has nothing to do with your CRA score.

According to a4a, we're all wrong... even James Jones the Experian rep is wrong. And the Equifax and Experian websites.

Go figure.

lisyloo

According to a4a, we're all wrong

Surely lenders can do what they want?
They can asses you themselves, they can outsource it to CRAS or they can do a combination of both.
They can also change their system tomorrow or the next day on how they do it, so surely no-one here can categorically say what they do across the board?

Gordon_Hose

lisyloo wrote: »

Surely lenders can do what they want?
They can asses you themselves, they can outsource it to CRAS or they can do a combination of both.
They can also change their system tomorrow or the next day on how they do it, so surely no-one here can categorically say what they do across the board?

What?

The whole theme of this thread is a4a trying to tell us that lenders see the 'score' given to you by the CRA's.

They don't.

lisyloo

They don't.

Do you mean they don't by default or do you mean they can never ever see it.

Don't CRAs sell services to lenders to score individuals?

Gordon_Hose

Lenders don't see it full stop. Read the whole thread and the links to Experian and Equifax I posted. I also quoted James Jones the Experian rep who stated that lenders don't see the score given to you by CRA's.

Again, as stated by James Jones, they help lenders build a scoring system, but lenders use additional information to produce their own in-house algorithm to 'score' potential customers.

a4a

Gordon_Hose wrote: »

Your hypocrisy is unbelievable!

You want us to believe that lenders use CRA scores off the back of 1. what someone told you, and 2. what was written on MSE. You believe that, but not irrefutable proof from James Jones at Experian.

And vice versa, duh, does this not comprehend??

X company says XYZ.

B company says I dont agree.

A court says." Oh well if X company says it, it must be right"

I don't thinks so !!

a4a

Gordon_Hose wrote: »

According to a4a, we're all wrong... even James Jones the Experian rep is wrong. And the Equifax and Experian websites.

Go figure.

So lets believe them, because they say it is true !!

Oh lordy, lord.

a4a

lisyloo wrote: »

Surely lenders can do what they want?
They can asses you themselves, they can outsource it to CRAS or they can do a combination of both.
They can also change their system tomorrow or the next day on how they do it, so surely no-one here can categorically say what they do across the board?

of course they can do what they want.

And I agree with your comments, which is an endorsement of my point.