Noodle

[blackleyblue]

Hi guys, Noodle as accurate as Experian etc?

Thanks

[colin11]

no its not, my credit expert score is 999 excellent

 

my noodle score is poor

[blackleyblue]

? I had reverse where my noodle is excellent and haven't checked others - Noodle was actually recommended on this forum

[colin11]

it is recommended because it is free

 

it is ok for seeing who you owe money to, and seeing what defaults you may have

 

but i don't think its one of the CRA's that is used by lenders, if im wrong, someone will correct me

[rebel11]

It's pretty rubbish, in that potentially you can have different information at each of the CRA's on the same account. Some might say 'Settled', others 'Satisfied'.

[BRIGADIER2JCS]

It's pretty rubbish, in that potentially you can have different information at each of the CRA's on the same account. Some might say 'Settled', others 'Satisfied'.

Any " CRA" that uses 2nd Hand data must be suspect, even Call Credit its self is often incomplete, out of date or just plain wrong imo.

[blackleyblue]

so what is the advice guy's? Is there a preferred credit check?

[sequenci]

Experian probably holds the most information. But, to be honest, they are all a massive con.

[blackleyblue]

Damn, I thought Noodle was the oracle, and its free!

[BRIGADIER2JCS]

Damn, I thought Noodle was the oracle, and its free!

Noddle uses 2nd hand data from its parent Call Credit.

[blackleyblue]

so call credit or Experian best? Free? Many thanks

[rebel11]

The others do 1 month free trials, check if the offer is on, but remember to cancel it, by email, phone, fax, carrier pigeon etc.

[blackleyblue]

Thank you

[rebel11]

I was going to hit you with a Chinese Proverb, but thought better of it.

 

Thank you

[dx100uk]

if its historical debts you are investigating then noddle usually carries more info.

 

why did you need to check your cra file?

 

what is the underlying issue?

 

been getting threat-o-grams?

 

dx

[BRIGADIER2JCS]

Experian probably holds the most information. But, to be honest, they are all a massive con.

Any basis for this allegation, hard evidence please?

[sequenci]

Any basis for this allegation, hard evidence please?

 

They serve a reasonable purpose - but I wholeheartedly believe that, in the main, that people obsess over their credit files way too much. There is no such thing as a 'credit score' per se, as I'm sure you already know the lenders use their own mechanisms when determining when or when not to lend. Of course, past history does play a part - but lenders have a a wide range of other factors that they consider too.

 

I guess the point I'm trying to make is that the CRAs have used swish marketing to make people way too obsessive over their credit scores.

[colin11]

your credit score means nothing, i spoke to credit expert, and they told me that what i see when i log in, and what creditors see, are totally different

 

i have a credit score at the moment of 999 exellent, a few weeks ago, it was 979 and was approved for a mortgage by 3 banks

 

my wife has a credit expert score of 969, and was turned down for a joint application

 

score means nothing

[rebel11]

Brig,

 

Done DCA's use that as one of their threats, 'pay up or we'll put a default marker on your credit file'. That's why it can't be trusted.

 

Any basis for this allegation, hard evidence please?

[BRIGADIER2JCS]

Hello Rebel,

 

 

 

IMO the DCAs are the parties at fault 99% + of the debts they handle are already defaulted so an "threat" of placing a default is meaningless simply because most people are aware that a debt cannot be defaulted twice, one cannot blame the CRAs for the banal behaviour of the DCAs.

[blackleyblue]

Hi, yes historical debts that have been quiet for several years and want to know what credit file looks like