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Credit gone down on noddle
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phil22
Posts: 142 Forumite
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
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Ignore it. No lender gives a tos about the x/5 that noddle gives you.Still rolling rolling rolling......
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Really ha i hope not0
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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:Regular savers earn 6% interest (HSBC, First Direct, M&S)
Loans cost 2.9% per year (Nationwide) = FREE money.
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Your 'rating' is a randomly made up number. It has absolutely no impact or relationship to the way that potential lenders view you.0
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Ok good its a stupid system isnt it, well it says im on the electoral role so i must be0
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