Credit gone down on noddle

phil22

I was on 3/5 but i changed phone contract which im guessing is why, its gone to 2/5 how long would it take untill it goes back up to 3/5 my bills are always paid and never late but wanting to get a house next year and would like it higher its classed as poor now! Never been in debt or in the red or anything, going to get a credit card to get it up but ill only be offered rubbish ones now its gone down

rizla_king

Ignore it. No lender gives a tos about the x/5 that noddle gives you.

phil22

Really ha i hope not

HappyMJ

phil22 wrote: »

Really ha i hope not

The rating out of 5 can give you an idea but I am 1/5 and I still get the best credit cards and Noddle tells me I am only eligible for credit builder cards so I'm not sure what value that has.

Clearscore tells me my problems are I'm not on the electoral roll and I've opened a credit account recently. I open credit accounts regularly as I stooze to get more in savings interest than I pay on the balance transfer card. I'm not able to register to vote but that doesn't prevent me from getting credit.

It takes 6 months for the slight damage of opening a credit account to stop affecting you. It won't bother most credit providers.

MEM62

Your 'rating' is a randomly made up number. It has absolutely no impact or relationship to the way that potential lenders view you.

phil22

Ok good its a stupid system isnt it, well it says im on the electoral role so i must be