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    • john10001
    • By john10001 4th Dec 12, 1:02 PM
    • 121Posts
    • 18Thanks
    Obtaining your credit report?
    • #1
    • 4th Dec 12, 1:02 PM
    Obtaining your credit report? 4th Dec 12 at 1:02 PM
    Has anyone used noddle to obtain a free credit report (provide by call credit)? Are there any downsides to getting credit report this way or anything to be aware of, or is it really a free credit report with no strings attached?
Page 1
    • Ellieseleven
    • By Ellieseleven 5th Dec 12, 12:21 PM
    • 2,106 Posts
    • 6,792 Thanks
    • #2
    • 5th Dec 12, 12:21 PM
    • #2
    • 5th Dec 12, 12:21 PM
    I've been thinking about getting this report too and would be interested in what others think

    Ellie xx
    Debt Free 1st March 2017
    Saving for Xmas 2017 #1 548/ 732
    DFBXMAS 2017 #18 1978/1,978 100%
    EF #142 - 1027/1000
    • DebtClearer
    • By DebtClearer 5th Dec 12, 1:38 PM
    • 279 Posts
    • 128 Thanks
    • #3
    • 5th Dec 12, 1:38 PM
    • #3
    • 5th Dec 12, 1:38 PM
    I did it last night. It worked great and shows you a fixed picture of your credit report. I think it updates once a month.

    I gives you a rating out of 5, 5 being the lowest risk to lenders. I was a 4, having no defaults/CCJS etc.

    It is definitely worth doing if you are unsure.

    • fermi
    • By fermi 5th Dec 12, 1:52 PM
    • 39,455 Posts
    • 47,485 Thanks
    • #4
    • 5th Dec 12, 1:52 PM
    • #4
    • 5th Dec 12, 1:52 PM
    Have used it since they put the service out for trial a couple of years ago.

    It had teething troubles, but now seems to work just fine.

    Obviously it is only updated once per month at most, so not suitable if you want to monitor info more frequently than that. But most people don't ever need more unless you are disputing information on your report and have pending credit applications etc.

    It is also obviously a source of lead generation via the matched products, vouchers etc. But then no-one is twisting your arm on any of those, and the report is provided free regardless.

    The Callcredit data is also the least used CRA dataset, so again not the most useful of the 3 reports you could have. Saying that, CC/noddle has always showed all the account of mine that it should, so even that varies.

    All in all it is very useful for free, as long as you bear in mind that for some purposes you may still need to get the normal statutory reports from all 3 CRAs.
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to

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    • john10001
    • By john10001 9th Dec 12, 10:49 PM
    • 121 Posts
    • 18 Thanks
    • #5
    • 9th Dec 12, 10:49 PM
    • #5
    • 9th Dec 12, 10:49 PM
    Just tried noddle!

    I am a 3 out of 5!

    All my cards show as upto date and no issues except for one.

    In February there was one credit card a few days late as they had not updated my address details the statements were going to my old address. I didn't realise how much balance was on the card so couldn't change the payment amount to the right amount for that month and I believe if I remember rightly it may have been a few pounds short. I don't suppose there is anything I can do about that now though.

    One of the bank accounts that has been demanding repayment from me of an overdraft is not listed there. I made them an offer last week for full and final settlement at a lower amount than the full balance. I am wondering if it means that they have accepted that or sold the alleged debt on?

    I now am in two minds whether I go the IVA route or not. Just a little bit of easing will help, e.g. getting rid of that one overdraft and maybe shifting one of my cards to a zero percent rate for a couple of years. Otherwise I may have to unfortunately go via the IVA given my income seems to be less than what my outgoing is.

    Will have to think this through some more.
  • kururunfa
    • #6
    • 9th Dec 12, 11:10 PM
    • #6
    • 9th Dec 12, 11:10 PM
    I tried it, and all the information it had about the accounts that I currently have open, but it only has one default on file for me, while Credit Expert shows two (the one Noddle doesn't know about is very old, and will drop off my CE report in a few months). Even with just that one default, I'm rated 1/5! I am on the electoral roll, I have a bank account with no overdraft (have had the account several years), and have a mobile contract that is being reported as paid every month.

    I recently got accepted for a Vanquis card which is being used and paid in full each month, but Vanquis haven't reported it yet. I'm hoping after a few months of good usage I'll get upgraded to a 2

    If you haven't seen your report in a long time, I think it's worth getting reports from all the major agencies to make sure everything is as it should be. I do like Noddle though, and I'll be checking it every month or so to see how long it takes for my report to look semi-respectable again.
    • UsetheFORCE
    • By UsetheFORCE 9th Dec 12, 11:48 PM
    • 659 Posts
    • 210 Thanks
    • #7
    • 9th Dec 12, 11:48 PM
    • #7
    • 9th Dec 12, 11:48 PM
    I pay 3.49 a month for unlimited access to my Equifax file online, that coupled with Noddle covers (and should cover) all your accounts.

    I get the impression that most lenders report to Call Credit even though they don't normally search Call Credit. In fact ALL my accounts are on Noddle including a Loan which doesn't appear on eith Experian or Equifax.
    I have numerous qualifications in Business and Finance, Accountancy, Health and Safety and am now studying Law.

    Don't rely on anything I write as it may be wrong!!!
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