Noddle , (gone mad)

enfield_freddy

just logged onto noodle , new report available today , seems things are not right


a default with vanquis from 8 mths ago has gone , disappeared ,


a default that was supposed to disappear on the 11/3/2015 has also done one ,


not sure if I can trust noodle now

fermi

Noddle/callcredit do have a habit of sometimes removing defaulted accounts a few days or even a week or so before the exact 6 year date. Seen that happen many times now.

The Vanquis one could be an error, or it could be that the account is in the process of being sold on and will be reported under the buyer's name in due course. That often results in accountants going AWOL for a short time.

enfield_freddy

ok , the one that was due to come off on the 11/3 , might disappear , might come back ?


the vanquis one , no paperwork to suggest selling , would I not have to be informed that this was being done , not read about it on noodle


"if you have a problem , click on tell us at the bottom of each listing"


the listings with faults are not there?

fermi

None of mine that dropped off a week or so early ever cane back. Certainly should not after 11/3 anyway, as would be permanently dropped then no matter what.

Selling on is just a possibility. Should get a 'notice of assignment' at some point through the post but companies are often slow in doing that.

enfield_freddy

so , the noodle report , as seen today is inaccurate , and not worth the time logging on , as its giving me a false sense of security , whilst applying for additional loans etc ..


yes I know about the other 2 companies , its about time things were centralised onto one database

fermi

Well, Noddle is only a monthly snapshot of the data in the callcredit database anyway.

It's good for checking a few things for free, but I would never depend on it when looking at applying for credit.

Hazzinho

Is just dropped off early as it's due to be removed this month, tends to happen some accounts drop off a few days early and some a few days late. The Noddle refresh is the same as the Callcredit report so you're seeing the same without paying, you'd still have the same questions.

Dobbibill

Just a quick check!

It hasn't been moved to the category of 'closed accounts' instead of 'open accounts' within 'Financial Account Information' has it?

Just thought I would mention it as you don't state in your post which bits you have looked at.

enfield_freddy

no , just checked the currant vanquish one has disappeared so has the shortly to be removed one , they are not showing in closed accounts either.

WillyWonga

I would not trust Noddle, their info is hit and miss.

They had me down as a different address on voters roll, same road and house number but village about 10 mins away and diff postcode. I questioned why as Experian and Equifax had the right info. They kept claiming Electoral Register at fault and asked me to send proof in from council etc etc.

Problem is with Noddle is that you raise a question with them, it takes 4 days to reply with an answer which is not relevant, you then reply to wait 4 days again for a response and so on.

I use the Capital One free Equifax service and just use Noddle as a curious look.