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Barclaycard vs Noddle
Teasedale
Posts: 45 Forumite
in Credit cards
Hi, Barclaycard recently reduced the credit limit on my barclaycard by £6K. When I asked them why, they told me that I had missed payments with other lenders three times during the previous 6 months. I was unaware of it, and Noddle shows no missed payments, in fact it shows my credit score steadily increasing over the same period.
However, immediately before the credit limit on my card was reduced, I paid BCard late - my bad! They phoned me, I paid at once and was told that they would not raise a charge or notify agencies because I had paid promptly.
So who is telling porkies, BCard or Noddle?
Love & Peace,
Teasedale
However, immediately before the credit limit on my card was reduced, I paid BCard late - my bad! They phoned me, I paid at once and was told that they would not raise a charge or notify agencies because I had paid promptly.
So who is telling porkies, BCard or Noddle?
Love & Peace,
Teasedale
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Comments
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you need to check all 3 CRAs as not everything gets reported to every agencyI’m a Senior Forum Ambassador and I support the Forum Team on the Pensions, Annuities & Retirement Planning, Loans
& Credit Cards boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
All views are my own and not the official line of MoneySavingExpert.0 -
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Barclaycard give you free checks with Experian. Noodle's free, and Clear Score is free too. Hope this helps!0
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Full reports or just a 'score' every 2 months?CakeCrusader wrote: »Barclaycard give you free checks with Experian.0 -
YorkshireBoy wrote: »Full reports or just a 'score' every 2 months?
It looks like it's the score; https://www.barclaycard.co.uk/personal/customer/experian-credit-score0 -
It doesn't really matter.
Your tardiness in paying late justifies barclaycard reducing your limit.
Do yourself a favour and get a grip on your finances.0 -
Sounds like incorrect reporting to Experian by the other lenders. Get your Experian credit report, it will show who they believe you paid late. Then speak to those lenders as to why they have reported that, you should be able to get the situation rectified with a couple of phone calls.Hi, Barclaycard recently reduced the credit limit on my barclaycard by £6K. When I asked them why, they told me that I had missed payments with other lenders three times during the previous 6 months. I was unaware of it, and Noddle shows no missed payments, in fact it shows my credit score steadily increasing over the same period.
However, immediately before the credit limit on my card was reduced, I paid BCard late - my bad! They phoned me, I paid at once and was told that they would not raise a charge or notify agencies because I had paid promptly.
So who is telling porkies, BCard or Noddle?
Love & Peace,
TeasedalePaid off the last of my unsecured debts in 2016. Then saved up and bought a property. Current aim is to pay off my mortgage as early as possible. Currently over paying every month. Mortgage due to be paid off in 2036 hoping to get it paid off much earlier. Set up my own bespoke spreadsheet to manage my money.0 -
Wouldn't it be easier to set a minimum payment every month with every lender and pay the rest via fast payment.
No missed payments then. No reductions in credit limit.The more I live, the more I learn.
The more I learn, the more I grow.
The more I grow, the more I see.
The more I see, the more I know.
The more I know, the more I see,
How little I know.!!
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