Experian Vs Nodle Credit Score

YoungPensioner_2

So i am a long ish standing member of Experian - had to join to get a fraudulent Vodaphone account removed from my credit file and it has been for quite some time now... Happy that my score is back to 999 from somewhere around 300. I now pay to join once a year to for a month to check all is well.

I saw an ad on TV for Nodle and as they were free I joined and gave them a go. Now, according to them i have a 3 out of 5 or 535 (out of an unknown to me number) or 'Poor' credit record depending on what one of the 3 ways that they display it to me I follow.

They do offer the standard "we may give a differing score to you than other providers do and if you pay us some money we will tell you why" line... But with the information on both sites being a mirror of each other and nothing else factual to go at i am left wondering how come my score is so different?

This is despite everything being in order and that i have no debts other than a mortgage for some time now and a solid address history etc.

HappyMJ

The score is a made up number based on many inaccurate assumptions.

Ignore it.

w00519772

HappyMJ wrote: »

The score is a made up number based on many inaccurate assumptions.

Ignore it.

There are three credit reference agencies i.e. Experian, Noddle and Clearcore. They all produce wildly different results in my experience.

I am a member of Clearscore and Noddle because it is free. I get my Experian credit score once a year. What does Clearscore say?

YoungPensioner_2

Not a member of clear score, to be honest i thought being a member of one credit checking company would be enough... Im a little disapointed to hear i have one credit record that can be interprited differently by agencys... Thank god that doesnt happen with your criminal record...

GingerBob_3

YoungPensioner wrote: »

Not a member of clear score, to be honest i thought being a member of one credit checking company would be enough... Im a little disapointed to hear i have one credit record that can be interprited differently by agencys... Thank god that doesnt happen with your criminal record...

You don't have one so-called credit record, you have at least three. And the criminal record - assuming that you've got one.

jamesd

YoungPensioner wrote: »

So i am a long ish standing member of Experian - had to join to get a fraudulent Vodaphone account removed from my credit file and it has been for quite some time now... Happy that my score is back to 999 from somewhere around 300. I now pay to join once a year to for a month to check all is well.

How about saving some money by getting a Barclaycard brand credit card and getting your Experian credit score free once every two months?

worried_jim

Or just stick with noodle as its free. The "score" is totally meaningless.

callum9999

worried_jim wrote: »

Or just stick with noodle as its free. The "score" is totally meaningless.

I use Noddle and Clearscore. The information on my Noddle (CallCredit) and Clearscore (Equifax) isn't exactly the same. I've never checked Experian but of the other two, Equifax seems to be favoured by lenders.

You're right that the score from anywhere is pointless and meaningless though.

YoungPensioner_2

GingerBob wrote: »

You don't have one so-called credit record, you have at least three. And the criminal record - assuming that you've got one.

No criminal one, that was more a Hyperthetical/Satirical statement, why have more and one credit record, the more you have the more opertinity for them to have wrong info on you :?

Nebulous2

YoungPensioner wrote: »

No criminal one, that was more a Hyperthetical/Satirical statement, why have more and one credit record, the more you have the more opertinity for them to have wrong info on you :?

Because they are private businesses. Why have more than one mobile phone company? Or electricity company?

Noddle has pretty much every account of mine, apart from a couple that I have had so long they do not get reported anyway.

The important thing is that the information they hold is correct, not how they interpret it.

robber2

YoungPensioner wrote: »

............. i thought being a member of one credit checking company would be enough......

Still one more than you need. You dont have a 'credit score' and anyone can make up a random number and tell you its relevant. Send me £5 per month and I'll happily provide one for you :-)