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  • FIRST POST
    oopsadaisydoddle
    Noddle Credit report not showing mortgage
    • #1
    • 12th Aug 12, 10:23 PM
    Noddle Credit report not showing mortgage 12th Aug 12 at 10:23 PM
    Hi,

    Sorry if this is in the wrong place - wasn't sure where to put it as it's not strictly a mortgage question.

    I have just checked my free noddle credit report and my mortgage isn't showing on there...would that be because certain companies only report to certain CRA's?

    I only got my noddle report out of interest with it being free and everything else is as it should be. Last time I got my Experian and Equifax ones was when we took the mortgage 18mths ago and I don't really want to pay for theirs now when I'm not looking at taking credit. Everything on those at that time were fine as well, but obviously the mortgage wasn't on those because it was before it was taken out.

    Sorry for waffling - just come back off hols and am tired! Should I be concerned or is it normal for only certain reports to show certain things?

    Thanks in advance!
Page 1
    • JuicyJesus
    • By JuicyJesus 13th Aug 12, 10:55 PM
    • 3,664 Posts
    • 4,172 Thanks
    JuicyJesus
    • #2
    • 13th Aug 12, 10:55 PM
    • #2
    • 13th Aug 12, 10:55 PM
    Noddle is CallCredit, and most but not all banks and lenders give data to CallCredit. One of my credit cards does not show on CallCredit, nor do any of my mobile phone accounts whereas they do on Experian and Equifax.

    Frankly I would not be worried, because virtually every lender or other company will use CallCredit as a second option at best. The only real exception, as far as I'm aware, is Skipton Building Society, simply because they owned CallCredit.
    Last edited by JuicyJesus; 13-08-2012 at 11:04 PM.
    urs sinserly,
    ~~joosy jeezus~~
  • BugsyBrowne
    • #3
    • 13th Aug 12, 11:00 PM
    • #3
    • 13th Aug 12, 11:00 PM
    That's why I cannot get my head around why people big up this noddle credit report when no lenders even use the damn thing.
  • oopsadaisydoddle
    • #4
    • 13th Aug 12, 11:54 PM
    • #4
    • 13th Aug 12, 11:54 PM
    Thanks for replying!

    I didn't think it would be too much to worry about, just wanted to make sure! As I said, have no intention of applying for credit but when the time comes for shopping around for mortgage deals at the end of our fixed rate, I'll check Experian and Equifax then, if needed.

    Thanks again!
    • JuicyJesus
    • By JuicyJesus 15th Aug 12, 6:53 PM
    • 3,664 Posts
    • 4,172 Thanks
    JuicyJesus
    • #5
    • 15th Aug 12, 6:53 PM
    • #5
    • 15th Aug 12, 6:53 PM
    That's why I cannot get my head around why people big up this noddle credit report when no lenders even use the damn thing.
    Originally posted by BugsyBrowne
    Because it's free, and it gives a good indication of what will be on the other CRA's reports. It will almost certainly show CIFAS records, defaults and other such nice things, which are the main things that will immediately kibosh a credit application.
    urs sinserly,
    ~~joosy jeezus~~
  • MonkeyDan
    • #6
    • 15th Aug 12, 9:11 PM
    • #6
    • 15th Aug 12, 9:11 PM
    Which lender is the mortgage with?
  • oopsadaisydoddle
    • #7
    • 16th Aug 12, 12:49 AM
    • #7
    • 16th Aug 12, 12:49 AM
    Which lender is the mortgage with?
    Originally posted by MonkeyDan
    Newcastle Building Society.
    • debrag
    • By debrag 16th Aug 12, 8:27 AM
    • 3,379 Posts
    • 1,719 Thanks
    debrag
    • #8
    • 16th Aug 12, 8:27 AM
    • #8
    • 16th Aug 12, 8:27 AM
    All my creditors are on Noddle, used checkmyfile before and not all were showing - some on callcredit, some on equifax, none on experian.
    • jamesd
    • By jamesd 16th Aug 12, 12:16 PM
    • 23,495 Posts
    • 15,831 Thanks
    jamesd
    • #9
    • 16th Aug 12, 12:16 PM
    • #9
    • 16th Aug 12, 12:16 PM
    That's why I cannot get my head around why people big up this noddle credit report when no lenders even use the damn thing.
    Originally posted by BugsyBrowne
    None like NatWest, First Direct/HSBC/M&S, Santander, Barclaycard, Virgin, Zopa, O2 all showing up there?

    Not all providers show up on all reports. How much shows up at Noddle depends on the particular credit accounts. Accounts opened before around 1999 may not show up on any credit report because consent to report wasn't routinely obtained by all lenders before then.

    The Noddle report is very useful for what it contains, even though it is sometimes incomplete and doesn't show the extra information reported by some credit card companies.
  • oopsadaisydoddle
    Thanks folks for the info.

    My cc is on there as is my bank acc with Halifax and also my phone with Orange. That's all I have anyway apart from the mortgage. I'll just take it that Newcastle don't report to noddle.

    There were also some searches showing for insurance quotes for last week which I never instigated. When I read the info about this it said it wouldn't affect things in any way. I was a bit concerned though because I had not searched for any insurance but wondered if it might be something that was automatic because I'd previously used comparison sites at this time of year for old insurance - will they automatically re-search my files?
  • BugsyBrowne
    None like NatWest, First Direct/HSBC/M&S, Santander, Barclaycard, Virgin, Zopa, O2 all showing up there?

    Not all providers show up on all reports. How much shows up at Noddle depends on the particular credit accounts. Accounts opened before around 1999 may not show up on any credit report because consent to report wasn't routinely obtained by all lenders before then.

    The Noddle report is very useful for what it contains, even though it is sometimes incomplete and doesn't show the extra information reported by some credit card companies.
    Originally posted by jamesd
    You say the noodle credit report is very useful for what it contains which means your quite happy to look at an incorrect report then?

    Yes it's free I agree but it's not by no means a true reflection of what your actual report looks like from an Equifax & experian point of view.
    • guesswho2000
    • By guesswho2000 16th Aug 12, 1:42 PM
    • 1,635 Posts
    • 776 Thanks
    guesswho2000
    You say the noodle credit report is very useful for what it contains which means your quite happy to look at an incorrect report then?

    Yes it's free I agree but it's not by no means a true reflection of what your actual report looks like from an Equifax & experian point of view.
    Originally posted by BugsyBrowne
    That surprises me, everything I have is on Noddle as it is on Eq/Ex (except electoral roll info for some reason, since I've moved it updated with the others but not CC yet...).

    The only thing I can't see account wise is my Halifax accounts, but they're recently opened - I haven't seen them on any report yet, but got an alert from Equifax, so they are there now - I'll check Noddle at the end of the month when it refreshes.
    • jamesd
    • By jamesd 16th Aug 12, 3:30 PM
    • 23,495 Posts
    • 15,831 Thanks
    jamesd
    You say the noodle credit report is very useful for what it contains which means your quite happy to look at an incorrect report then?
    Originally posted by BugsyBrowne
    It's not incorrect. It merely lacks the extra information that some credit card issuers report in my case.

    Yes it's free I agree but it's not by no means a true reflection of what your actual report looks like from an Equifax & experian point of view.
    Originally posted by BugsyBrowne
    Mine is a true reflection, except for non-consensual accounts that are on none of the reports, any searches that might have been performed at only one CRA and the formatting. I've looked at the reports on me from all three and know what credit accounts I have.

    How complete it is will depend on good address matching and which credit accounts you have.

    Your assertion that it is not complete enough may be true in your specific case but that is not the experience of everyone.
    Last edited by jamesd; 16-08-2012 at 3:33 PM.
    • Tixy
    • By Tixy 16th Aug 12, 3:56 PM
    • 31,062 Posts
    • 39,469 Thanks
    Tixy
    The only way to know of all the potential things that could show up on a credit search performed by a potential lender is to get copies of your file from all 3 agencies.

    Its true that callcredit/noddle is still the smallest of the 3 agencies (as in the least amount of credit information across the whole population) but it is growing in size, more lenders are starting to search and report to it.

    You say the noodle credit report is very useful for what it contains which means your quite happy to look at an incorrect report then?
    Originally posted by BugsyBrowne
    Nothing suggests it is incorrect - it is correct for the data that creditors/lenders report to that particular agency. It could be argued to be incomplete but so could experian and equifax credit reports.

    Yes it's free I agree but it's not by no means a true reflection of what your actual report looks like from an Equifax & experian point of view.
    Originally posted by BugsyBrowne
    Neither is your experian credit report a true reflection of what your actual report looks like from a callcredit point of view.
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