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Credit gone down on noddle

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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

Comments

  • rizla_king
    rizla_king Posts: 2,895 Forumite
    Ignore it. No lender gives a tos about the x/5 that noddle gives you.
    Still rolling rolling rolling...... :) <
    SIGNATURE - Not part of post
  • phil22
    phil22 Posts: 142 Forumite
    Really ha i hope not
  • HappyMJ
    HappyMJ Posts: 21,115 Forumite
    10,000 Posts Combo Breaker
    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.
    :footie:
    :p Regular savers earn 6% interest (HSBC, First Direct, M&S) :p Loans cost 2.9% per year (Nationwide) = FREE money. :p
  • MEM62
    MEM62 Posts: 5,312 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Your 'rating' is a randomly made up number. It has absolutely no impact or relationship to the way that potential lenders view you.
  • phil22
    phil22 Posts: 142 Forumite
    Ok good its a stupid system isnt it, well it says im on the electoral role so i must be
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