Noddle v’s Clearscore

sunflowerlady

So, we’ve been using Noddle for a few years to keep an eye on things but since noticing that quite a few people recommend clear score I thought I’d give it a whirl.

Why would there be differences between the two?

Clearscore doesn’t show our Mortgage on either of our reports. It also does’t show a ‘Satisfied Default’ that is showing on my husbands Noddle report.

There is a huge difference between his Noddle ‘Score’ and his Clearscore ‘score’. I know people say ignore the ‘score’ but when there
Are big differences between two reports how do we know what his actual status is?

Any thoughts?

[Deleted User]

sunflowerlady wrote: »

There is a huge difference between his Noddle ‘Score’ and his Clearscore ‘score’. I know people say ignore the ‘score’ but when there
Are big differences between two reports how do we know what his actual status is?

Any thoughts?

Just ensure the data is correct on each- that you're on the ER, any financial associates are correct, no erroneous data. Remember to also check Experian via the MSE Credit Club.

You can then choose your own score based on what you see. If all your accounts are well managed, low debt, your income is good, then award yourself a high score.

If you have defaults, missed payments or masses of debt, award yourself a low score.

Lenders will take a similar approach.

sunflowerlady

Thanks both. Any thoughts why our mortgage isn’t showing up on Clearscore - seems a big one for them to miss!! We’ve had it 15 years.

[Deleted User]

Because your mortgage lender doesn't report to Equifax.

luvchocolate

Noddle shows all my information, clearscore shows absolutely nothing, in spite that Equifax shows everything.