Noddle Credit Report

sartois

Hi,

Some toerag(s) have been trying to open bank accounts using my name, address etc and fortunately the banks stopped it from getting too far by giving me a call to check if it really was me trying to open an account and when discovering it wasn't they then registered me on CIFAS etc. They did suggest I check whats going on with my credit report though just to head off any company that doesn't use CIFAS before authorising credit.

I know Noddle is a free service, but when signing into this it says:

"Unfortunately we cannot currently generate a credit report for you. This is because you don’t currently have enough of a credit history to populate a full credit file"

So I have a mortgage that I have been paying off for the last 4 years, I have been at the same address for 4 years, I have 3 credit cards that I pay off in full every month if I ever use them and have been on the Electoral Roll since the 2015 election so not really sure what else I could do to improve my credit history?

I have checked my score on Experian and all seems fine at the moment and they can at least give me a score, but I don't really want to pay for detailed reports and I am under the impression that I can do the same sort of thing on Noddle for free - but there doesn't seem to be a way to get the report from them.

Is there another way I can check to see what is being attempted in my name?

Thanks in advance

[Deleted User]

Forget the scores. You're better off checking your horoscope..

Call Credit is the least used CRA so it wouldn't be out of the question that your lenders don't report to them.

Raise a query to see if they can manually find you.

Remember to check Equifax as well, via Clearscore.

sartois

Thanks,

I don't really care about my credit score, its more just to double check the report to see if anyone is trying to obtain credit or bank accounts in my name. The girl from RBS didn't inspire confidence when she told me that CIFAS is a kind of voluntary thing that banks etc use to prevent fraud. The score alone doesn't tell me if someone is causing mischief.

I didn't know about clearscore will try and sign up to that one... thanks. I can't find a way to raise a query with Noddle, but I guess you get what you pay for with free services.

Willing2Learn

sartois wrote: »

I can't find a way to raise a query with Noddle, but I guess you get what you pay for with free services.

You need to contact Noddle's parent company, TransUnion (ex CallCredit).

Edit: First get your Statutory report (free) via the link below.
https://www.callcreditstatreport.co.uk/
Once you have your Statutory report you can then make your query with TransUnion...

PRAISETHESUN

Contact the three CRAs (Experian, Equifax and TransUnion (formerly CallCredit)) directly and request a statutory report - they are obliged to provide you this information and this can be done for free. If they are unable to identify you, they will ask you for identification - provide them with the documents they need and they will be able to match you with your file.

Once this has been done, you should have no problems with getting access to your reports through Noddle. You might as well sign up for your free reports through MSE Credit Club (Experian) and ClearScore (Equifax) as well.

If you spot any fraudlent activity you will need to take this up with the lender directly. Report it to Action Fraud to obtain a crime reference number, and give this to the lender. They should then remove this from your files, and close the accounts. You will not be liable for any debts incurred through fraud.

luvchocolate

It is important to check them all, on Clearscore it shows absolutely nothing..no mortgage no phone no bank.
Sent for Equifax same company and all the information is there.
Just waiting for Experian,
I would say that the Noddle report for me is by far the best for showing the correct information.