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Noddle

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Is the credit score site any good, granted its free is it true and trustworthy

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  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    It's a monthly snapshot of your CallCredit report and is owned/run by them.

    So as true or trustworthy as they are once you factor in that it is a free snapshot, that only updates once per month at most.

    CallCredit is often the least used or reported to of the 3 CRAs, so you shoud not depend on it alone on any shape or form. In fact, to get a full picture you need all 3 reports. There is no substitute.

    The 'score' displayed is also not to be taken seriously.

    Saying that, it can be useful for routine checking for accounts it does show over time. You just have to be aware of it's limitations when you use it, and if you are wanting to make any critical credit applications then get the 3 full reports instead.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • 33days
    33days Posts: 61 Forumite
    Sixth Anniversary 10 Posts Name Dropper Combo Breaker
    Many thanks for that.
  • Nasqueron
    Nasqueron Posts: 10,636 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Make sure you only pay for the £2 report not the subscription service :)

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • rockm87
    rockm87 Posts: 847 Forumite
    Wedding Day Wonder
    I joined it for free, just to keep an eye what my accounts are showing.

    you can get offers on credit cards or bills too, and they occasionally do discounts on purchasing their credit score or subscription.
    Total Debt in Feb 2015 - £6,052 | DEBT FREE 26/05/2017
    Swagbucks £200 Valued Opinions £100
    Dave Ramsey Baby Step 2 | Mr Money Mustache Addict
  • purchasing their credit score or subscription.




    why would you buy a randomly made up number , subscriptions? noodle is free , why pay for it
  • andyfromotley
    andyfromotley Posts: 2,038 Forumite
    It provides an accurate picture of my financial information. Updates once a month, all balances correct, nothing missing.
    £1000 Emergency fund No90 £1000/1000
    LBM 28/1/15 total debt - [STRIKE]£23,410[/STRIKE] 24/3/16 total debt - £7,298
    !
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