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  • FIRST POST
    • Dandytf
    • By Dandytf 9th Oct 18, 10:21 AM
    • 2,113Posts
    • 505Thanks
    Dandytf
    Cra's electoral role
    • #1
    • 9th Oct 18, 10:21 AM
    Cra's electoral role 9th Oct 18 at 10:21 AM
    Thankfuly after some late summer calls, and e-mails
    Experian today confirmed they have my home address recorded on their database.
    Only Checkmy file to update and possibly Noodle
    Quite astonishing what happened for past year's info, not sure why cra's never had me registered.
    Is it possible my change to postal vote and also the edited/non edited choices I had made could have caused the cra's not to record my Electorl role status correctly.
    sc dmp 2012 13k Jan 2019 9880paid. 75%approx.
    Mid 2018 Help2save 50 uk pounds per month
    Mid 2019-Virgin Money e-saver reward 18 -2.63 interest@1.16%gross
Page 1
    • zx81
    • By zx81 9th Oct 18, 10:27 AM
    • 22,523 Posts
    • 24,743 Thanks
    zx81
    • #2
    • 9th Oct 18, 10:27 AM
    • #2
    • 9th Oct 18, 10:27 AM
    No. More likely your council hasn't yet updated the CRAs.

    Raise a dispute with each of the three CRAs (not Checkmyfile), and Noddle, instead of Noodle.
    • Dandytf
    • By Dandytf 9th Oct 18, 10:33 AM
    • 2,113 Posts
    • 505 Thanks
    Dandytf
    • #3
    • 9th Oct 18, 10:33 AM
    • #3
    • 9th Oct 18, 10:33 AM
    No. More likely your council hasn't yet updated the CRAs.

    Raise a dispute with each of the three CRAs (not Checkmyfile), and Noddle, instead of Noodle.
    Originally posted by zx81
    Thanks I thought I had mentioned Checkmyfile -this was who the original concern was raised with and they have been amazing which lead me to calling local council+electoral register office then forwarding their written confirmation to Experian.
    I still have check my file working on my case.
    I need to re check noodle and ClearScore or Equifax (though I no longer pay for Equifax)

    @zx81 -thanks for your advice as I was slightly concerned the miss reporting could have been my choice of future voting from home.
    sc dmp 2012 13k Jan 2019 9880paid. 75%approx.
    Mid 2018 Help2save 50 uk pounds per month
    Mid 2019-Virgin Money e-saver reward 18 -2.63 interest@1.16%gross
    • Gary_Dexter
    • By Gary_Dexter 9th Oct 18, 10:37 AM
    • 4,786 Posts
    • 3,127 Thanks
    Gary_Dexter
    • #4
    • 9th Oct 18, 10:37 AM
    • #4
    • 9th Oct 18, 10:37 AM
    I hope you're not paying Check My File either...
    • Dandytf
    • By Dandytf 9th Oct 18, 10:57 AM
    • 2,113 Posts
    • 505 Thanks
    Dandytf
    • #5
    • 9th Oct 18, 10:57 AM
    • #5
    • 9th Oct 18, 10:57 AM
    Quick update -Experian -correct as from today
    Equifax -Correct
    Noodle -Incorrect -dispute open (tough I no ,longer have the written confirmation from local council as I had sent it to Experian quite some time ago)
    What I have done is forwarded previous council e-mails to dispute@noodle.co.uk
    Hopefully I can get noodle to update their record.
    sc dmp 2012 13k Jan 2019 9880paid. 75%approx.
    Mid 2018 Help2save 50 uk pounds per month
    Mid 2019-Virgin Money e-saver reward 18 -2.63 interest@1.16%gross
    • Dandytf
    • By Dandytf 9th Oct 18, 10:59 AM
    • 2,113 Posts
    • 505 Thanks
    Dandytf
    • #6
    • 9th Oct 18, 10:59 AM
    • #6
    • 9th Oct 18, 10:59 AM
    I hope you're not paying Check My File either...
    Originally posted by Gary_Dexter
    I have been for quite some time -my choice.
    I like their what I call progress chart -shows me moving in right direction -at least most of the time.
    sc dmp 2012 13k Jan 2019 9880paid. 75%approx.
    Mid 2018 Help2save 50 uk pounds per month
    Mid 2019-Virgin Money e-saver reward 18 -2.63 interest@1.16%gross
    • zx81
    • By zx81 9th Oct 18, 11:06 AM
    • 22,523 Posts
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    zx81
    • #7
    • 9th Oct 18, 11:06 AM
    • #7
    • 9th Oct 18, 11:06 AM
    What I have done is forwarded previous council e-mails to dispute@noodle.co.uk
    Hopefully I can get noodle to update their record.
    Originally posted by Dandytf
    That may be where you're going wrong.

    They're still called Noddle, and not noodle.
    • Nasqueron
    • By Nasqueron 9th Oct 18, 11:15 AM
    • 7,603 Posts
    • 4,826 Thanks
    Nasqueron
    • #8
    • 9th Oct 18, 11:15 AM
    • #8
    • 9th Oct 18, 11:15 AM
    I have been for quite some time -my choice.
    I like their what I call progress chart -shows me moving in right direction -at least most of the time.
    Originally posted by Dandytf
    An amusing circle - you pay them to see "improvement" in a fictitious score that nobody but you sees, they (who control the score) can increase it to keep you hooked and keep charging you.

    If you care about a made up score just use the free services of Noddle, Clearscore and MSE Credit Club and they will all give you pretend numbers that can go up as much as you like.

    Do remember though that the score can be 0 or 999 and it still won't make a jot of difference to lenders, only the history on the file itself matters which lenders will judge using their own internal system that you will never see.
    • Gary_Dexter
    • By Gary_Dexter 9th Oct 18, 11:25 AM
    • 4,786 Posts
    • 3,127 Thanks
    Gary_Dexter
    • #9
    • 9th Oct 18, 11:25 AM
    • #9
    • 9th Oct 18, 11:25 AM
    As above - if you like watching fictitious numbers and ratings go up just use the free services.

    They have bar graphs and timelines and all sorts of other rubbish you can monitor if your needs desire it
    • kingstreet
    • By kingstreet 9th Oct 18, 11:26 AM
    • 35,164 Posts
    • 19,172 Thanks
    kingstreet
    CMF doesn't have access to Experian account data, and is therefore not complete/comprehensive.

    A copy of your statutory file, obtained two or three times a year, or the Noddle monthly renewal system would allow you to monitor your data.
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
    • Dandytf
    • By Dandytf 9th Oct 18, 4:49 PM
    • 2,113 Posts
    • 505 Thanks
    Dandytf
    That may be where you're going wrong.

    They're still called Noddle, and not noodle.
    Originally posted by zx81
    Ha -refer to me earlier used e-mail address
    dispute@noddle.co.uk

    Zx81 don't beleive everything you read in the forums
    sc dmp 2012 13k Jan 2019 9880paid. 75%approx.
    Mid 2018 Help2save 50 uk pounds per month
    Mid 2019-Virgin Money e-saver reward 18 -2.63 interest@1.16%gross
    • Dandytf
    • By Dandytf 9th Oct 18, 4:52 PM
    • 2,113 Posts
    • 505 Thanks
    Dandytf
    All I thought it was expected CRA's record electoral role status correctly.
    Not sure why mser's have chosen to divert my post to 'made up credit scores'
    I'm simply requesting any Incorrect electoral role info is updated or amended accurately
    sc dmp 2012 13k Jan 2019 9880paid. 75%approx.
    Mid 2018 Help2save 50 uk pounds per month
    Mid 2019-Virgin Money e-saver reward 18 -2.63 interest@1.16%gross
    • Willing2Learn
    • By Willing2Learn 9th Oct 18, 4:56 PM
    • 3,318 Posts
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    Willing2Learn
    I'm simply requesting any Incorrect electoral role info is updated or amended accurately
    Originally posted by Dandytf
    If it were me, I would request my statutory report from the three CRAs direct. I would then check that the data recorded within the reports for accuracy, especially data pertaining to my home address and electoral registration. If any data was inaccurate or wrong, I would then raise a complaint, direct to the relevant CRA.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • Dandytf
    • By Dandytf 9th Oct 18, 7:07 PM
    • 2,113 Posts
    • 505 Thanks
    Dandytf
    If it were me, I would request my statutory report from the three CRAs direct. I would then check that the data recorded within the reports for accuracy, especially data pertaining to my home address and electoral registration. If any data was inaccurate or wrong, I would then raise a complaint, direct to the relevant CRA.
    Originally posted by Willing2Learn
    Thanks I've taken the Checkmy file option who kindly provided cra's addresses and mention what to expect etc.

    This concern is almost complete once Noodle update their report (case raised earlier today) -just hoping I don;t have to request another letter from Electoral office though I might have a saved copied word doc of the original letter -with home address and electoral status since April 2010 -which was enough evidence for Experian to amend their info.
    Why I didn't notice Noodle than is my error -this could have been complete.
    Slightly off topic ignoring any made up scores, is there any truth when someone is declined credit -due to not being on voters role (or is it likely to be another reason in addiction to voters role)
    sc dmp 2012 13k Jan 2019 9880paid. 75%approx.
    Mid 2018 Help2save 50 uk pounds per month
    Mid 2019-Virgin Money e-saver reward 18 -2.63 interest@1.16%gross
    • Willing2Learn
    • By Willing2Learn 9th Oct 18, 7:13 PM
    • 3,318 Posts
    • 2,890 Thanks
    Willing2Learn
    ... is there any truth when someone is declined credit -due to not being on voters role (or is it likely to be another reason in addiction to voters role)
    Originally posted by Dandytf
    Not being on the ER is pretty bad from a lenders perspective as the ER helps confirm your address and can show whether there is stability (a long time at the same address). A lender also considers things such as length of time in employment, annual income, credit utilisation and affordability tests. One of the biggest things they would consider is credit account stability and management (plus the age of the accounts).
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • Dandytf
    • By Dandytf 10th Oct 18, 5:29 PM
    • 2,113 Posts
    • 505 Thanks
    Dandytf
    Not being on the ER is pretty bad from a lenders perspective as the ER helps confirm your address and can show whether there is stability (a long time at the same address). A lender also considers things such as length of time in employment, annual income, credit utilisation and affordability tests. One of the biggest things they would consider is credit account stability and management (plus the age of the accounts).
    Originally posted by Willing2Learn
    Appreciate your kind answer-one to remember, thanks
    sc dmp 2012 13k Jan 2019 9880paid. 75%approx.
    Mid 2018 Help2save 50 uk pounds per month
    Mid 2019-Virgin Money e-saver reward 18 -2.63 interest@1.16%gross
    • Dandytf
    • By Dandytf 10th Oct 18, 7:46 PM
    • 2,113 Posts
    • 505 Thanks
    Dandytf
    Mser's

    This get's more exciting as checkmyfile have offered to raise a case with Experian Technical team to astablish why my voters role info isn't being returned to Checkmy file.
    No update yet from Noodle.
    sc dmp 2012 13k Jan 2019 9880paid. 75%approx.
    Mid 2018 Help2save 50 uk pounds per month
    Mid 2019-Virgin Money e-saver reward 18 -2.63 interest@1.16%gross
    • Dandytf
    • By Dandytf 11th Oct 18, 4:59 PM
    • 2,113 Posts
    • 505 Thanks
    Dandytf
    Update from Noodle today-more evidence. Required.
    I'll request original proof from local register office next week when they are open.
    Also checkmyfile to provide their next update in14 days approx
    sc dmp 2012 13k Jan 2019 9880paid. 75%approx.
    Mid 2018 Help2save 50 uk pounds per month
    Mid 2019-Virgin Money e-saver reward 18 -2.63 interest@1.16%gross
    • Willing2Learn
    • By Willing2Learn 11th Oct 18, 5:10 PM
    • 3,318 Posts
    • 2,890 Thanks
    Willing2Learn
    If you are looking to check the data that checkmyfile are reporting from Noddle, then I recommend looking at your statutory report from TransUnion (ex CallCredit), as they are the parent company of Noddle. Whatever is reported direct from TransUnion (ex CallCredit) will be what any lender will see if they check your credit file.

    https://www.callcredit.co.uk/consumer-solutions/your-credit-report/statutory-credit-report
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • Gary_Dexter
    • By Gary_Dexter 11th Oct 18, 6:00 PM
    • 4,786 Posts
    • 3,127 Thanks
    Gary_Dexter
    Do you see it if you login to the CRA’s directly or another provider?
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