Free credit report and credit score for lifetime @ Noddle
396°Expired

Free credit report and credit score for lifetime @ Noddle

37
Found 7th Jul 2015
Great news - your credit score is now free for life!

You told us that you want your credit score for free and we've listened to you. That's why you'll now get your credit score free for life and it'll be refreshed each month at the same time as your free credit report.

Be sure to check your credit score out today; you'll find your it in your credit report.

Remember, with Noddle there's no 30 day trials, no hidden charges and no catches.

Thanks again for being part of Noddle.

37 Comments

checked mine and yep score is now included free.

doesn't add much BTW as companies do not see the score you are given from experian, Equifax or call credit. the score is their internal score for you. but it was previously chargeable so good on call credit for making it free to customers. hot

Wow I recently left Experian after they got exposed for charging insurance on Fraud which was unnecessary. I claimed my due and left them. Now Noddle have managed to give us the Credit report fro free. So Experian got greedy and are charging customers not only for the report but also for the unnecessary insurance. The cheating part is they don't give you a choice if we want it or not. That is fraud in it own right. Well now they are not going to get a penny out of me.

I should say im dubious about their reasoning for providing the scores for free. both mine and my wife's appear lower than expected in comparison to experian or Equifax.

noddle do however offer the "credit improver" service for £30 a year. could it be this "free" score which actually means nothing in the real world is set lower by default to push you in the direction of paying the £30 to "improve" your score ?

don't pay anything, as long as your information is correct on your file then all is good

reviewcentre.com/Cre…567

I would look around at some reviews before using noodle.. I know some people just like to hate, but I am struggling to find any good reviews

I have used it for the past 3 years and have no issues with it. not great service unless you pay their fee but your file should be accurate and up to to date. if its not they must change it provided you can prove its wrong.

a credit report can do no more than provide the information about you.

it's up to you to ensure your finances are up to date and noddle provide a safe easy way to check your information shared with companies for free. there is no good or bad "review" for a credit agency as the information should be factual and that's it

I should also say, just because the info on noddle is accurate and correct does not automatically mean it is with experian and Equifax. unfortunately experian is used more widely by companies to check your history and therefore its probably worth obtaining their record once a year to ensure accuracy. it's bad you have to pay experian but if you want to ensure your info is right across the board its needed. you would also be able to claim the fee back from experian if they have made an error on your file. if its fine however your out £15 for one month a year. only you can decide if its worth it though

Banned

uk.trustpilot.com/rev….uk

4.1 out of 10 on Trustpilot.
Edited by: "flimbo73" 7th Jul 2015

I just tried to register and it said I couldn't register me.
it said I might have moved house recently (I havent for more than 9 years) or my card might be new(it isn't).
I've emailed them to make sure they remove my details

I've never used a credit search site before. It gave me a banding of 5/5 and a credit score of 960 but I have no idea what the 960 means. They explain the rating bands but not that number. Anyone know how I find out what this means, and if it adversely affects my band ratio?

Original Poster

loiterer

I've never used a credit search site before. It gave me a banding of 5/5 … I've never used a credit search site before. It gave me a banding of 5/5 and a credit score of 960 but I have no idea what the 960 means. They explain the rating bands but not that number. Anyone know how I find out what this means, and if it adversely affects my band ratio?


That means you are excellent!

i dont know how noddle come up with score. experian give me 900. noddle says 540 and bands me as very poor. yet i can get a barclays credit card with 36 months interest free on a £9000 credit limit.

my advice going for credit. check what CRA they use by going to moneysavingexpert.com/cre…nce
if you do have a default. raise a concern and it will be removed while you apply

I have been a noodle customer for over a year although it's free it does not show all the credit agreements which I have. Experian on the other hand provides all the information about my finances.

Been using it for a while now. Probably not as comprehensive as other paid options, but can't complain for free.

had noodle for a couple of years now. as others have said it doesn't include all the information - I'd say about 50 % of my info is on there - so it's not very comprehensive at all. what they do have is accurate though. I wouldn't pay for it but you can't go too wrong for lifetime free!

thanks for the heads up

Kenneth131

I should also say, just because the info on noddle is accurate and … I should also say, just because the info on noddle is accurate and correct does not automatically mean it is with experian and Equifax. unfortunately experian is used more widely by companies to check your history and therefore its probably worth obtaining their record once a year to ensure accuracy. it's bad you have to pay experian but if you want to ensure your info is right across the board its needed. you would also be able to claim the fee back from experian if they have made an error on your file. if its fine however your out £15 for one month a year. only you can decide if its worth it though


a credit score is a meaningless number, every company scores you nothing to do with experian.

queensclose

i dont know how noddle come up with score. experian give me 900. … i dont know how noddle come up with score. experian give me 900. noddle says 540 and bands me as very poor. yet i can get a barclays credit card with 36 months interest free on a £9000 credit limit.my advice going for credit. check what CRA they use by going to http://www.moneysavingexpert.com/credit-cards/credit-referenceif you do have a default. raise a concern and it will be removed while you apply



I've less than years proper credit history (borrowing), have a total of £600 credit limit, get rejected for basic accounts a lot (first direct etc) and my score is 548 on noddle and I have 1/5 for my rating lol.

My view is, if you have the income and some history, you shouldn't struggle to apply for credit. I use mine to build my score (never paid back late), and I use moneydashboard to properly look at how much I have. And yet I think my noddle rating has dropped!

Kenneth131

I should say im dubious about their reasoning for providing the scores … I should say im dubious about their reasoning for providing the scores for free. both mine and my wife's appear lower than expected in comparison to experian or Equifax.noddle do however offer the "credit improver" service for £30 a year. could it be this "free" score which actually means nothing in the real world is set lower by default to push you in the direction of paying the £30 to "improve" your score ?don't pay anything, as long as your information is correct on your file then all is good


I agree Noddle score seems a bit lower, but I found it to be more accurate.
I just came into this country and had a 850 score on Experian/Equifax, while Noddle showed me a more reasonable 1/5 and then 2/5.
The £30/year they charge for improving your score is nothing compared to what the others are charging.
However, you won't get much useful advice as it is pretty much general knowledge now, but still useful if you don't want to spend time researching.

muradxs

had noodle for a couple of years now. as others have said it doesn't … had noodle for a couple of years now. as others have said it doesn't include all the information - I'd say about 50 % of my info is on there - so it's not very comprehensive at all. what they do have is accurate though. I wouldn't pay for it but you can't go too wrong for lifetime free!


Can you give some examples of information missing compared to others?
I had all of them and cannot remember anything missing.

Kenneth131

I should say im dubious about their reasoning for providing the scores … I should say im dubious about their reasoning for providing the scores for free. both mine and my wife's appear lower than expected in comparison to experian or Equifax.noddle do however offer the "credit improver" service for £30 a year. could it be this "free" score which actually means nothing in the real world is set lower by default to push you in the direction of paying the £30 to "improve" your score ?don't pay anything, as long as your information is correct on your file then all is good


+1, I am not too sure about this "Noddle" as my score here is well low (I know I have an excellent credit history), also my score on Experian reflects that.

Have used Noddle for 5 years and it's brilliant. Never had a complaint!

Great to see the credit score on there too now!

I wouldn't put much stock in Noddle's credit score. Different finance providers have different criteria. Also they don't always report to all three credit reference agencies, so Noddle (which is Call credit) can't really tell you how likely you are to get accepted for a finance company using Equifax. Still, it is good for making sure your credit is being reported correctly, and to a lesser degree let's you watch out for fraud. The report is only generated once a month.

I do have to commend them for keeping spam to a minimum - just a few sponsored links and such. It's definitely worth a go - it's free!

You should also note that both the rating and score any cra gives is meaningless to lenders as they look at your credit history and the score isn't even seen by them.

It's sole purpose is to make money by buying subscriptions and addons like those Noddle offer to improve your rating which can be found for free anyways with some basic searching.


Edited by: "kiish" 9th Jul 2015

First, I cannot believe anyone is even considering paying for a credit repair facility. The only person that can repair a credit score is you. If you have erroneous information on your credit file, dispute it. If you have less-than-positive information that is correct, wait for it to disappear. Don't max out credit cards. Don't apply for more than one credit facility (loan, credit card, bank account, finance) in a 3-6 month period. Stop moving house. Get on the voters role. Pay your bills, damnit.

Second, the reason you won't see all of your facilities is because companies choose who to register with. Call Credit are not as widely used, whereas Experian and Equifax are. A company has to pay money for their services, and many choose to use just one. One place I worked for used Experian as their application driver, whereas they would plug into Equifax afterwards once the customer was live. There were many defaults and CCJs found after the initial searches.

Third, you should never worry about a credit score from a provider. Companies have their own internal policies and risk appetites. It comes down to two main aspects for them. Will they make money off you, and will they do it without you cocking up?

I would be happy to expand on this further should anyone have questions.

This has been free for several years, some years ago I signed up to this and for some un known reason I did not 'trust' the site and cancelled all my details before I had finished putting them all in. For some years after I kept getting e-mails from them asking me to complete my application but I didn't. just me and my funny feelings. oO
Edited by: "apfel21" 11th Jul 2015

MaximusRo

Can you give some examples of information missing compared to others?I … Can you give some examples of information missing compared to others?I had all of them and cannot remember anything missing.



Sure. LLoyds TSB Credit Card I have. Halifax Bank credit card I used to have never showed when I had that for over 2 years either.

I have my doubts as to if the score that I have been given is correct as it says very poor BUT this week I have been accepted for a HSBC Advance & Club Lloyds accounts, so that been said would mean that the information that noodle hold is incorrect plus I have been a member of noodle over 3 years and it always says 2 / 5 every month. Anyone else found this out to be the same?

Banned

dkl_uk

First, I cannot believe anyone is even considering paying for a credit … First, I cannot believe anyone is even considering paying for a credit repair facility. The only person that can repair a credit score is you. If you have erroneous information on your credit file, dispute it. If you have less-than-positive information that is correct, wait for it to disappear. Don't max out credit cards. Don't apply for more than one credit facility (loan, credit card, bank account, finance) in a 3-6 month period. Stop moving house. Get on the voters role. Pay your bills, damnit.Second, the reason you won't see all of your facilities is because companies choose who to register with. Call Credit are not as widely used, whereas Experian and Equifax are. A company has to pay money for their services, and many choose to use just one. One place I worked for used Experian as their application driver, whereas they would plug into Equifax afterwards once the customer was live. There were many defaults and CCJs found after the initial searches.Third, you should never worry about a credit score from a provider. Companies have their own internal policies and risk appetites. It comes down to two main aspects for them. Will they make money off you, and will they do it without you cocking up?I would be happy to expand on this further should anyone have questions.



yep I'd be interested if you expanded a bit on your thinking here

Banned

nobody has mentioned that you might as well make £50 or so profit by checking your credit score on Experian & Equifax via TCB

then cancelling so you you don't pay anything

bob99999

yep I'd be interested if you expanded a bit on your thinking here



What more would you like to know about?

Banned

do gambling sites ever affect your credit score?

I have accounts at loads of gambling/betting sites and my rating is still 5/5 on Noddle.

I've had an account with Noddle for a few years and never had an issue.
Edited by: "refaey" 13th Jul 2015

heat for free

Free as noddle score not worth anything..won't surprise me if they have random number generator..

What If I don't have a credit card How can I check?

There is definitely something fishy going on with Noddle, I have always had a score of 5/5 with them and have used them for years, recently they dropped me to 1/5 with no reason and no change to my financial status, I then get bombarded with Noddle improve e-mails and Ads where they charge you £30 and help lift your credit score..
I didnt understand this and as I was just about to apply for a new car on PCP I did an Experian check to find that my credit score remains Excellent with them so its go to be a little scam Noddle are trying to pull on people to get them to sign up for noddle improve, they should be reported for this as I worried for weeks went through all of my credit history signed up to Experian 30 day trial only to find that nothing was out of order apart from Noddle the swines!!
Edited by: "ginno78" 21st Jan 2016
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