Noddle Impove down to £20 for a year @ Noddle
77°Expired

Noddle Impove down to £20 for a year @ Noddle

17
Found 20th Jan 2015
Have always used Noddle, but never the paid option @ £30 per annum.
Received an email today with 1/3 off the annual price due to them reaching 1million members.
Happy to pay £20 to keep track of my actual score aswell as showing me what could be effecting it (First thing it told me was that I wasn't on Electoral so have just registered with that online)

As a comparison... Credit expert charge £180 for a similar service.

17 Comments

You weren't happy to pay £30, but are now happy to pay £20?

punkrjb

You weren't happy to pay £30, but are now happy to pay £20?



What's your point? This is a deal.

Original Poster

punkrjb

You weren't happy to pay £30, but are now happy to pay £20?


Yes, that is what I said.

punkrjb

You weren't happy to pay £30, but are now happy to pay £20?




20 is a lower number than 30

£20 is lot higher than £0. I'm interested why the op thought it wasn't worth the step up from zero to thirty, but is worth the step up to twenty.

Original Poster

punkrjb

£20 is lot higher than £0. I'm interested why the op thought it wasn't w … £20 is lot higher than £0. I'm interested why the op thought it wasn't worth the step up from zero to thirty, but is worth the step up to twenty.



Why on earth are you interested in what some random person on the internet wishes to spend or not spend their money on?

If you must know, I had never really looked into upgrading to the premium one as I had no need.

This year I am going to be buying my first house so when I seen the email in my inbox advertising what was included, I thought this would come in handy for seeing a bit more of what the banks see.

Hopefully the above will help you sleep a bit better tonight.. (_;)

If the deal was £10 would the op have been interested from the start? If it was £40 would he have banished all thoughts of this deal? We need to analyise this to get into the mind of this particular op. So many questions, so few answers...

The actual score isn't worth the paper it's written on (online ;))

Each bank will have its own criteria and won't even see the score Noodle provide to you.

Someone with a high noodle score can be refused a mortgage just as easily as someone with a low Noodle score can be accepted.

You just need to understand what the raw data means and work on improving it. Forget the score they give you.

Good deal credit scoring is very important heat from me

Free if you take out an aqua credit card, you also get upto £100 per year cashback. Ok, the interest rate is high but it doesn't matter if you pay the balance in full every month and just use it as a means for free money.

dadofdaisy

Free if you take out an aqua credit card, you also get upto £100 per year … Free if you take out an aqua credit card, you also get upto £100 per year cashback. Ok, the interest rate is high but it doesn't matter if you pay the balance in full every month and just use it as a means for free money.



how do you get this?

re the OP finding out after he upgraded to Premium that they weren't on the Electoral Roll.

The free version tells you this.

Comment

adorable1981

Good deal credit scoring is very important heat from me



A banks credit scoring is very important.

Noddle's raw data, which is available for free, is very important.

Noddle's credit scoring is not.

I do find the score a bit useful but the usual score out of 5 seems good enough. They keep telling me I'm not in the electrol role when I am.

However I get the service for free after signing up for an aqua credit card. Don't think I'd every pay for it

eyebaws

Why on earth are you interested in what some random person on the … Why on earth are you interested in what some random person on the internet wishes to spend or not spend their money on? If you must know, I had never really looked into upgrading to the premium one as I had no need. This year I am going to be buying my first house so when I seen the email in my inbox advertising what was included, I thought this would come in handy for seeing a bit more of what the banks see. Hopefully the above will help you sleep a bit better tonight.. (_;)



I'm interested because said random person on the internet decided to tell the whole internet what they had spent their money on, which made me interested. I'm interested in the value of the deal you posted on a deals forum because it looks good but i want to understand if it's a good deal. Maybe I've missed the point of the site, either way cheers for the info.

Educating yourself on the factors that may influence a banks view on you as a potential customer and viewing the raw data is a much better idea than paying for Noddles view.

At the end of the day, most factors, such as whether you've had a payday loan during the last year, will impact some banks view on you whilst others will ignore it.

Your Noodle score will remain constant, regardless of which bank you are considering applying to. The banks own internal score will vary wildly across all banks.

My advice is to save your subscription fees to these services and educate yourself on the 'potential' factors. Armed with this education, if you believe yourself to have a perfect credit history, you can choose to apply direct to the bank or via a broker. If you consider yourself to have a blemished credit report in any way, use your saved subscription fees to help pay the fees charged by a good broker who will have experience in selecting the correct bank to handle an application for a customer with whatever particular imperfections are visible within your credit report.

Comment

shuggyyadobber

how do you get this?



Just take out the Aqua rewards credit card and they'll send you an invite to upgrade your noddle account.
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