Is NODDLE a con ?

50Twuncle

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 ?

bsms1147

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

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.

YorkshireBoy

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

50Twuncle wrote: »

There must be people without payment cards - what do they do ?

They can request the statutory credit report for £2.

Futuristic

They use your card details to verify your address you entered on Noddle

Buzby

Any info YOU provide adds to their data held. As this is very much the least used CRA, spend your £2 elsewhere.

YorkshireBoy

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

Noddle has all my accounts and is free.


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

irm

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

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.