Not sure if this is the right place to discuss or ask. If not, please guide where to go.
I registered with Noddle following one of HUKD Freebies deal in March 2014. I checked the Credit Rating given by Noddle which was 3 out of 5.
After a month, I received an email suggesting a new report is ready for me. When I checked it, the rating gone down to 2 out of 5.
Nothing has changed since the last report but the rating is down. I am not able to find any reason for that.
The following things happened during the last 30+ days:
1. I found an error on Barclay's Credit Card report where due to a system error my monthly payments was not accepted and got late by few days. I called them asked to rectify as it was not a customer fault and they promised not to reflect this on my credit file.
2. Moved some balance from one credit card to another to save some money utilising an offer from my card provider. Although the card was fully utilised in this offer (i.e. 100% balance was used, first time in life I have used a credit card to it's fullest).
There was not any other activity on any of my accounts.
Can anyone please advise, looking at the activities, why my rating went down?
Many thanks for reading this and for your guidance.