Questions about Noddle.

SYHR

Hi Guys,


Following on from my first post on the forums here, where I needed information about damage I'd done to my credit file, I've now got a question about Noddle.
A very helpful user previously suggested I could use this site to check my credit file and ensure everything was in order, and to help gain a better understanding.


On the site, there is a section called 'Search History' which splits into 'Others' Searches' and 'Your Searches'.
There seems to be an awful lot of things under Others' Searches, but all under different narratives.


Most of these are 'Identification Check' 'Quotation Search' and 'General Insurance' which I believe will have come from me doing a lot of car insurance comparisons in the last few months! Question is, do these affect anything now they are appearing on my credit file? I understand that the 'Checking Credit Applications' do, but do the other searches?


Thanks guys!

Huskyrunner

identication check can be where as an example you ring you bank and say they ask you extra security too update an address or do a high value money transfer.

Insurance searches should not affect your credit file as there soft searches

SYHR

Huskyrunner wrote: »

identication check can be where as an example you ring you bank and say they ask you extra security too update an address or do a high value money transfer.

Insurance searches should not affect your credit file as there soft searches

Hi,
Thanks for your response.
The only thing I can thing this as being is relating to the car insurance quotes, because I obviously have to enter Name/Address/DOB so do they check to make sure all that matches? To pay the car insurance monthly, I would surely have to be accepted for credit?
I haven't made any high value transactions or changed my address.

Huskyrunner

you didnt with noodle do any product eligibility searches ie whats the likelyhood of getting this credit card etc etc

I would avoid noodle like the plague personally i think they are not accurate.

SYHR

Huskyrunner wrote: »

you didnt with noodle do any product eligibility searches ie whats the likelyhood of getting this credit card etc etc

I would avoid noodle like the plague personally i think they are not accurate.

Thanks for your reply!
I've done a few of those, not just on Noddle, but in the past on other sites too (MSE being one of them)
I know soft searches don't affect too much so I'm not concerned about that, it was the other items appearing that I didn't recognise.

Huskyrunner

Well i packed in noddle as i signed up too there free service about 5-6 months ago, everything was going steady my credit score went from around 390 too 515 in that time. Then for reasons they couldnt answer last month my score dropped too 414. I contacted them via email too query why they said i had too buy the extended noddle package.

I from here signed up for checkmyfile and spoke too one of there advisors my call credit report hadnt dropped in score.

Nasqueron

Huskyrunner wrote: »

Well i packed in noddle as i signed up too there free service about 5-6 months ago, everything was going steady my credit score went from around 390 too 515 in that time. Then for reasons they couldnt answer last month my score dropped too 414. I contacted them via email too query why they said i had too buy the extended noddle package.

I from here signed up for checkmyfile and spoke too one of there advisors my call credit report hadnt dropped in score.

Scores are meaningless, nobody but you (and them) see them, no lender will ever see your "score", just your credit record

They are a business with a model of making money by selling "improvement" services that improve the score they themselves give you - if you score drops, you pay them money and it goes up - win for them, seems to be a win for you until you realise the pointless nature of the score.

Do note though even if you dump your account, some lenders do still report to Call Credit (noddle back end) so you should check it before applying for major credit