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    • J B
    • By J B 17th May 19, 6:11 PM
    • 3,381Posts
    • 1,255Thanks
    J B
    Noddle score lower than experian/equifax
    • #1
    • 17th May 19, 6:11 PM
    Noddle score lower than experian/equifax 17th May 19 at 6:11 PM
    I know it doesn't matter but .....



    When Mrs B had an account fraudulently opened in her name, I checked Experian & Equifax and then came across Noddle so I registered with them - it's taken a month for me to be able to log into my 'credit report' with them.
    They finally emailed me today to say I could go for it so I passed all the random security questions, including 'with which store did you take out a card in 2005!!!'


    My Ex and Eq scores are both 999 but the Noddle was only 650


    Any ideas why??
Page 1
    • zx81
    • By zx81 17th May 19, 6:16 PM
    • 22,052 Posts
    • 24,034 Thanks
    zx81
    • #2
    • 17th May 19, 6:16 PM
    • #2
    • 17th May 19, 6:16 PM
    Because all the scores are poorly made up and not a reflection of your credit worthiness. They don't use realistic criteria to generate the scores, so It doesn't matter what score they give you.

    Ignore them all and monitor the data on your files to make sure everything is accurate.
    • johnsmith1890
    • By johnsmith1890 17th May 19, 6:16 PM
    • 310 Posts
    • 175 Thanks
    johnsmith1890
    • #3
    • 17th May 19, 6:16 PM
    • #3
    • 17th May 19, 6:16 PM
    I know it doesn't matter but .....



    When Mrs B had an account fraudulently opened in her name, I checked Experian & Equifax and then came across Noddle so I registered with them - it's taken a month for me to be able to log into my 'credit report' with them.
    They finally emailed me today to say I could go for it so I passed all the random security questions, including 'with which store did you take out a card in 2005!!!'


    My Ex and Eq scores are both 999 but the Noddle was only 650


    Any ideas why??
    Originally posted by J B

    Buffoons! Your personal data is not safe with such people. As to your question. Stand by. Here we go …..


    Ah! Too late. Sorry.
    Last edited by johnsmith1890; 17-05-2019 at 6:17 PM. Reason: Not fast enough
    • Willing2Learn
    • By Willing2Learn 17th May 19, 6:20 PM
    • 2,956 Posts
    • 2,500 Thanks
    Willing2Learn
    • #4
    • 17th May 19, 6:20 PM
    • #4
    • 17th May 19, 6:20 PM
    Your Noddle score is out of 710. Which means 650 is regarded as excellent.

    You should ignore it anyhow as it is meaningless...
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • Gary_Dexter
    • By Gary_Dexter 17th May 19, 6:24 PM
    • 4,445 Posts
    • 2,864 Thanks
    Gary_Dexter
    • #5
    • 17th May 19, 6:24 PM
    • #5
    • 17th May 19, 6:24 PM
    Ignoring Captain Tin Foil Hat 2 posts above...

    They have to ask these questions to verify it is indeed you.

    Your score is a meaningless number.

    Just check the raw data is correct
    • Candyapple
    • By Candyapple 17th May 19, 6:31 PM
    • 3,074 Posts
    • 2,483 Thanks
    Candyapple
    • #6
    • 17th May 19, 6:31 PM
    • #6
    • 17th May 19, 6:31 PM
    My Ex and Eq scores are both 999 but the Noddle was only 650
    Originally posted by J B
    You sure about that?

    Each of the three agencies use a different scale. Experian score you out of 999, Equifax up to 700 and Callcredit up to 710.
    www.lovemoney.com/news/amp/71771/credit-score-rating-what-it-means-check-uk-credit-points
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
    • phillw
    • By phillw 17th May 19, 9:42 PM
    • 2,281 Posts
    • 1,800 Thanks
    phillw
    • #7
    • 17th May 19, 9:42 PM
    • #7
    • 17th May 19, 9:42 PM
    Most of the information you give them when you sign up is to verify against all the data that your creditors have supplied to them already. You gave them permission when you applied for credit
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