Is NODDLE a con ?

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50Twuncle
50Twuncle Posts: 10,763 Forumite
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I am thinking of checking my credit report - using Noddle but they require me to add my credit/debit card details - before I can use their "free" service - why should I do this - and what is the real reason ?
I don't trust them...
There must be people without payment cards - what do they do ?
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  • bsms1147
    bsms1147 Posts: 2,261 Forumite
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    They need this so they can check your identity.

    They are a trustworthy company.

    People without credit and debit cards sometimes do have difficulty checking their credit reports.
  • thebritishbloke
    thebritishbloke Posts: 1,472 Forumite
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    As has been said, it's just to check your identity. Almost every MSE regular uses it, it's completely safe. Just don't sign up to their "Improve" service, it's a waste of money.
    Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.

    ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
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    bsms1147 wrote: »
    People without credit and debit cards sometimes do have difficulty checking their credit reports.
    I can't see how they might have difficulties? You can obtain your £2 statutory reports from all 3 agencies by post, paying by postal order/cheque.
  • manami_mnm
    manami_mnm Posts: 79 Forumite
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    50Twuncle wrote: »
    There must be people without payment cards - what do they do ?

    They can request the statutory credit report for £2.
  • Futuristic
    Futuristic Posts: 1,136 Forumite
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    They use your card details to verify your address you entered on Noddle
  • Buzby
    Buzby Posts: 8,275 Forumite
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    Any info YOU provide adds to their data held. As this is very much the least used CRA, spend your £2 elsewhere.
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
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    Buzby wrote: »
    this is very much the least used CRA
    I'm not sure that's the case these days. For example, I currently have 23 current accounts, 8 credit cards, and a mortgage...and Noddle (CallCredit) lists all of them.
  • abby1234519
    abby1234519 Posts: 1,961 Forumite
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    Noddle has all my accounts and is free.


    So.....what's to complain about
    Money money money.

    Debt
    Dec 2016: [STRIKE]£25,158.71[/STRIKE] £21,999.99

    #28 Pay off debt in 2017 £3803.55
  • irm
    irm Posts: 133 Forumite
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    YorkshireBoy wrote: »
    I'm not sure that's the case these days. For example, I currently have 23 current accounts, 8 credit cards, and a mortgage...and Noddle (CallCredit) lists all of them.

    I'd need to double check but I don't think they list my VirginMedia (home broadband only) account which was showing with Experian last time I chucked £2 at them.
  • Paully232000
    Paully232000 Posts: 2,108 Forumite
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    Would say the same as above, noddle has all of my current accounts apart from one of my bank accounts. However, that bank account is not on any credit report so they are, in my experience, as up-to-date as any.
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