Free credit score - for life - alternative to Noddle? @ Clearscore.com
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Free credit score - for life - alternative to Noddle? @ Clearscore.com

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Found 4th Sep 2015
I already have an account at Noddle and I am quite happy with it, but this is a new alternative, that might use a different rating agency so might complement the information from Noddle (that is using Callcredit).
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Original Poster
Not sure how they do it without asking for your credit card/bank account details.

They use Equifax.

http://www.dbm.today/equifax-partners-clearscore-for-free-credit-score-service/
bobsguide.com/gui…tml
Edited by: "veedubjai" 4th Sep 2015
Basic but pretty good
Original Poster
veedubjai

Looks like it's been posted … Looks like it's been posted previously.http://www.hotukdeals.com/freebies/your-credit-score-should-free-now-www-clearscore-com-2246183


hmm, didn't find it. Well, it was news to me when I posted it but I guess it is old news
MaximusRo

hmm, didn't find it. Well, it was news to me when I posted it but I guess … hmm, didn't find it. Well, it was news to me when I posted it but I guess it is old news



Same here. All new to me. Can't keep up with new threads posted everywhere.
Thanks for posting this
I wasn't aware of this, thanks op
Good find OP
Thankyou op .
Just done this but it didn't pick up the fact I still have a student loan, therefore my score can't be that accurate.
doby1

Just done this but it didn't pick up the fact I still have a student … Just done this but it didn't pick up the fact I still have a student loan, therefore my score can't be that accurate.


The don't count towards your credit score, nor are they lent to you by a financial institution.
doby1

Just done this but it didn't pick up the fact I still have a student … Just done this but it didn't pick up the fact I still have a student loan, therefore my score can't be that accurate.



If you think that's bad, spare a thought for me: My mortgage doesn't show up on my Noddle credit report, and unlike a student loan, your mortgage IS something that should appear on your credit report. Maybe they've had a clerical error for months and have accidentally satisfied my account. I can but dream...
Very helpful.Just signed up . Saved lot of Money
doby1

Just done this but it didn't pick up the fact I still have a student … Just done this but it didn't pick up the fact I still have a student loan, therefore my score can't be that accurate.

a student loan is not technically a loan and will not affect your credit score.
Seen clearscore ad on tv, been using it since it started and been fine
MaximusRo

hmm, didn't find it. Well, it was news to me when I posted it but I guess … hmm, didn't find it. Well, it was news to me when I posted it but I guess it is old news



Not necessarily, I was unaware of it ..... thanx lol. :-)
theshabster

If you think that's bad, spare a thought for me: My mortgage doesn't show … If you think that's bad, spare a thought for me: My mortgage doesn't show up on my Noddle credit report, and unlike a student loan, your mortgage IS something that should appear on your credit report. Maybe they've had a clerical error for months and have accidentally satisfied my account. I can but dream...



Why Don't you use equifax or experian to check? You can get a statutory report for a one time fee of £2 from any of the 3 providers.
thebuyer

Why Don't you use equifax or experian to check? You can get a statutory … Why Don't you use equifax or experian to check? You can get a statutory report for a one time fee of £2 from any of the 3 providers.



It'll be on those for sure, as they're the two biggest credit reference agencies. I just find it odd that a financial commitment so significant isn't shown on all credit reports.
noodle were rubbish for me didn't work. I just went with equifax on a free trial got TCB of £8.50 ish and then cancelled the trial.

Nice to know there is another free one though.
theshabster

If you think that's bad, spare a thought for me: My mortgage doesn't show … If you think that's bad, spare a thought for me: My mortgage doesn't show up on my Noddle credit report, and unlike a student loan, your mortgage IS something that should appear on your credit report. Maybe they've had a clerical error for months and have accidentally satisfied my account. I can but dream...



My mortgage doesn't show up either

Really weird
Thanks OP, I already use Noddle, but nice to know I'm "on good ground"
theshabster

If you think that's bad, spare a thought for me: My mortgage doesn't show … If you think that's bad, spare a thought for me: My mortgage doesn't show up on my Noddle credit report, and unlike a student loan, your mortgage IS something that should appear on your credit report. Maybe they've had a clerical error for months and have accidentally satisfied my account. I can but dream...



Depends which bank/building society it's with. There are 3 credit reference agencies in the UK and none of them have 100% of lenders supplying them with data.
Rhythm

Depends which bank/building society it's with. There are 3 credit … Depends which bank/building society it's with. There are 3 credit reference agencies in the UK and none of them have 100% of lenders supplying them with data.



I realise that. It was meant to be a light hearted comment.
Most lenders seem to refer to Equifax and/or Experian data. Our mortgage company must be one of those lenders.
i got the error something went wrong and we can't check your credit report today
Remember that any number "score " you get is an indication of your status nothing more, and only valid to compare with a score form the same place later on in time.

A lender does not say "What's Joe Bloggs credit score", they ask for Joe Bloggs Credit history and use there own criteria to evaluate you. Lenders may get exactly the same history and some accept and some reject you. One lender may score having a mortgage higher than the other, one lender may mark you down for having being late on mobile payments too often, another may reject you down to age or location none of which are in a credit score and so on.

By all means use a score to rate your self and consider what you may need to do to increase that number, as generally that means you are more likely to be accepted for any lending, but don't think having a 999 rating means you will get any loan you apply for, and by the same token don't pay for a credit score, its meaning less outside the organisation that supplies it.
Thanks OP
I keep getting rejected as it does some "checks" on what Equifax has on me and I have to answer them. The last two questions asks if I'd have a loan with X and when I got that loan. I've never had a loan besides my student loan. The only thing I can think of is I used financing on the apple store for a macbook, does that count as a loan, since I'm paying the whole amount? That was with Barclays which wasn't one of the options. Any ideas?
MMR? That's measles mumps and rubella vaccine, advisable for students whom have not had it

My Noddle give me a poor credit rating, experian and equifax give me an excellent rating, go figure
^X) MMR = Mortgage Market Review.
Nice to know that there is a quick check. Thanks
Well, it found me and certainly has more info than Noodle.
Very beautiful website as well.. Almost makes looking at your credit score bearable...!
Good find, thanks.
What happens after you have used your free trial with experian/equifax; do you have to pay £15 next time you want to check ?
llno

What happens after you have used your free trial with experian/equifax; … What happens after you have used your free trial with experian/equifax; do you have to pay £15 next time you want to check ?


Experian: Yes. Equifax: No, just dont take the 'free' web alerting service when cancelling your trial. If you dont have any active products you should be able to pick up another free trial every couple of months from the 'available products' area of your profile. Or thats how it has worked for me.
davyhood

Experian: Yes. Equifax: No, just dont take the 'free' web alerting … Experian: Yes. Equifax: No, just dont take the 'free' web alerting service when cancelling your trial. If you dont have any active products you should be able to pick up another free trial every couple of months from the 'available products' area of your profile. Or thats how it has worked for me.



Thanks for this info, just logged into my account since 2012 and have 2 free trails sitting there, credit score and credit report for a month!

Thanks MaximusRo. This is very useful post for me.
Thanks much better than noodle accroding to them my credit score is 1 out of 5 but with creditscore it is also on good ground.

Edited by: "sgstephen79" 9th Sep 2015
MaximusRo

Not sure how they do it without asking for your credit card/bank account … Not sure how they do it without asking for your credit card/bank account details.



security questions that only you would know
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