Out of date credit report

Dollymix12

I settled a loan with Lloyds in the first week of July but on checking Noodle this morning it is still outstanding on my credit file! All other Lloyds accounts show as correct and being updated on 31st July but the loan that's been paid hasn't been updated since 30th June! Is this normal??

engineer_amy

With noddle being a free service and only generating a "static" report once a month, I find it can be a couple of months out of date on some accounts, and only one month on others. It wont update in real time, as the paid services seem to do (almost)
It depends on when you make the payment, when the lender sends the information to the CRA, and the date that Noddle generates the report.


Eg. you pay Lloyds on 7th july. Noddle generates its report on 1st August. Lloyds sends the info on 3rd August relating to July. So therefore the last info that Noddle is working with for that account is 30th June.
My Ulster bank mortgage is 2-3 months behind on Noddle and I think it is all related to the reporting dates

Cycrow

also, as CallCredit is the smallest and newest of the 3, creditors often dont send updates as often as they do to the others.

Some of my accounts are fairly upto date each month, but others can be upto 3 months between updates. Of course this is better than not sending the data at all, which used to happen alot more

Dollymix12

I've also got a check my file account but that's the same too, guess I will just have to wait for it to change