Credit rating, is Noddle as good as pay sites

shadyadie

This is a just wondering question


I have been using Noddle for over a year and just wondered how it compared to other sites.
For some reason my current account wasn't found, but other than that it all seems to be there.

Tixy

Noddle will show you what is on your callcredit credit file.

The information on your experian and equifax file will almost certainly be slightly different.

Not all lenders report to all agencies often they report to just 1 or 2 of the 3, and not all potential lenders will search all agencies.

TartanSaver

If you really want to see one of the others, you can pay £2 for a statutory subject access request. I did this with experian go see if they were holding correct electoral roll data on me. (Callcredit and Equifax were not.) It had a couple of accounts on it that don't appear on Noddle. Unless you've a specific concern though, it's probably not worth the £2.

solentsusie

I have recently got my £2 statutory files from all three agencies.

Noddle (Callcredit) shows the least amount of financial information for me personally so I would never rely on it alone. What they have is accurate but very incomplete compared with the other two.

Experian seems to have the most data - when you can finally access your report! They send you an access code through the post when you request your £2 statutory report, whereas the other two agencies give automatic online access. I believe it is a ruse to get you to sign up and pay them £14.99 a month for instant access and a worthless credit file score.

Always get your files from all three agencies if you want a true reflection of the data held about you.