Noddle, how often do they update?

Dunree · 2 September 2012 at 9:23AM

Just had a look at my ''file''.

They seem to be way out on what I actually owe, by roughly £4000.

Should I take any notice of this?

Dunree

BugsyBrowne · 2 September 2012 at 9:26AM

Dunree wrote: »

Just had a look at my ''file''.

They seem to be way out on what I actually owe, by roughly £4000.

Should I take any notice of this?

Dunree

Considering no credit reference uses them I wouldn't worry what's on their TBH.
Where is if Equifax or Experian are out by 4k then you should take notice.

Dunree · 2 September 2012 at 9:32AM

BugsyBrowne wrote: »

Considering no credit reference uses them I wouldn't worry what's on their TBH.
Where is if Equifax or Experian are out by 4k then you should take notice.

Hi Bugsy,

Just checked Experian, out by £4800ish, but in fairness to them, last update was 12th August.

BugsyBrowne · 2 September 2012 at 9:40AM

Dunree wrote: »

Hi Bugsy,

Just checked Experian, out by £4800ish, but in fairness to them, last update was 12th August.

Noodle is not live report so to say like the other CRA's,noodle does all their updates every 30 days.

Dunree · 2 September 2012 at 9:47AM

Does that mean that Experian and Equifax are?

I've paid off a Black horse loan and substantially reduced my CC balances lately, but this doesn't show on my Experian

BugsyBrowne · 2 September 2012 at 9:52AM

Dunree wrote: »

Does that mean that Experian and Equifax are?

I've paid off a Black horse loan and substantially reduced my CC balances lately, but this doesn't show on my Experian

Look on your Equifax or experian Reports and find out when black horse last updated your loan payments that will give you a guesstimate.

I paid off a loan and the CRA's took about 6 weeks to update it.

Dunree · 2 September 2012 at 10:23AM

Will do

oscar52 · 2 September 2012 at 3:51PM

BugsyBrowne wrote: »

Noodle is not live report so to say like the other CRA's,noodle does all their updates every 30 days.

Neither are Equifax or Experian (or Call Credit form which Noddle pulls its data)

Each lender updates the CRAs once a month. If all your accounts happen to update on the 16, then probably by the 18 this will be reflected. Obviously, most peoples accounts update on different days of the month, so some may be more updated than others.

Cant say I am awae of ANY lender that provides a live, real time feed update to the CRAs

BugsyBrowne · 2 September 2012 at 4:01PM

oscar52 wrote: »

Neither are Equifax or Experian (or Call Credit form which Noddle pulls its data)

Each lender updates the CRAs once a month. If all your accounts happen to update on the 16, then probably by the 18 this will be reflected. Obviously, most peoples accounts update on different days of the month, so some may be more updated than others.

Cant say I am awae of ANY lender that provides a live, real time feed update to the CRAs

As in credit searches where as noodle don't.

Gromitt · 2 September 2012 at 5:02PM

Thats noddle marketing for you, they say there's no need to check your report more than once a month, but if you want it, you can pay to get the current live report. I wouldn't pay myself as only a few lenders actually use them.

I use them monthly since its free and about twice a year I check Experian/Equifax.

cos_2 · 2 September 2012 at 5:50PM

I'm happy with Noddle, recognising the view I get is just the same as the snapshot I get if I pay the other CRAs (or even Call Credit, of course) two quid. They seem to have all my info, just like the other two, so I save a few bob

I'm not sure why people would need 'live' info from the CRAs. A quick response, yes, but 'live'?

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