Best credit report to use

fkelanne

Hi all, I'm sorting my debts out. I have been paying some off and got it down to £1900.
I'm using noddle at the moment to check my report to help watch my debts go down. But is it the best one to use? I forgot about some of the debt or should I say burried my head in the sand.
So I want my full credit report will noddle have everything on
Thanks

sourcrates

Hi,

Its unlikely all your accounts will report to just one CRA.

There are three CRA`s in the UK :

Noddle, Experian and Equifax.

Noddle, as you know, is free, you can also get your Equifax report for free via clearscore.

And a £2 statutory report from Experian.

(dont use the Experian 30 day free trial, its a big hassle to cancel).

fkelanne

thankyou I will check with clear score aswell.

leslieknope

i'm sure experian offer a free credit report now - you have to pay to access all the extras but that will give you the basic info!

National_Debtline

Hi

I think it’s worth checking all 3 to get the whole picture every so often. It’s possible there could be an error that only one of the credit reference agencies has recorded.

You can get a statutory copy of your Experian report for £2. I haven’t heard of them offering a free report, just the score, but I could be wrong. I know MSE were talking about it being available at some point.

James
@natdebtline

MrsTinks

So in my experience Noddle and clearscore both lack details that Experian have of my accounts and amounts...

That said I like having all 3 of them because I'm a paranoid person and the data geek in me loves watching how different things affect the scores completely differently - but then I'm definitely a nerd