Difference between experian and noddle

Helandro

Have signed up to both credit expert and noddle to check my credit score. I lost my purse just before Christmas and I wanted to check there was nothing strange on my account as there was potentially 24 hours before I realised my purse was missing and I cancelled my cards. My driving licence was in my purse so I was concerned as if it had been found my address was obviously in there.
So, experian came back with a score of 804 (which I am hoping will increase soon as I have just paid off my credit card), but a recent search by William hill (I am not a gambler and have never used William hills site).
Just registered with noddle and they show a search by amigo loans and a score of 1/5 which seems significantly worse than the experience one. I have never applied for an amigo loan.
First- how can I tell if an amigo loan has been opened?
Second- is there anything I can do to make clear on my report that these were not initiated by me
Third- this feels like quite a discrepancy between the 2 scores. Can someone explain for me?.
Thanks so much

DCFC79

1 contact experian and tell them the Will Hill entry isn't you and do same for amigo loans.

2 the scores on the sites mean nothing, they just give you a representation how your credit history is, lenders don't see them when it comes to applying for loans etc.

3 the scores are different as not all lenders report to all 3 CRA's, some will report to just 2 or even 1, there's a list on here of who reports to whom.

4 what matters is your credit history eg credit cards.

5 maybe you should look at a cifas marker

6 there's a third credit ref agency which is Equifax.

Experian_company_representative

Hi Helandro

Helandro wrote: »

Have signed up to both credit expert and noddle to check my credit score. I lost my purse just before Christmas and I wanted to check there was nothing strange on my account as there was potentially 24 hours before I realised my purse was missing and I cancelled my cards. My driving licence was in my purse so I was concerned as if it had been found my address was obviously in there.
So, experian came back with a score of 804 (which I am hoping will increase soon as I have just paid off my credit card), but a recent search by William hill (I am not a gambler and have never used William hills site).
Just registered with noddle and they show a search by amigo loans and a score of 1/5 which seems significantly worse than the experience one. I have never applied for an amigo loan.
First- how can I tell if an amigo loan has been opened?
Second- is there anything I can do to make clear on my report that these were not initiated by me
Third- this feels like quite a discrepancy between the 2 scores. Can someone explain for me?.
Thanks so much

You may well find a lot of similarities between your Experian credit report and one produced by another credit reference agency (CRA), but there are likely to be differences too.

Your credit report may include information taken from the public records, such as electoral roll details. Because this information is collected by all three CRAs, it should be the same.

Not all lenders share details about their customers with all three CRAs, this information can differ between the CRAs.

If you like to contact us with your details we would be able to investigate the search from William hill that you feel has been recorded incorrectly on your Credit Report.

Kind Regards
James Jarvis