Do you want to apply for car finance and don’t know what your credit profile looks like? Or have you recently been declined for car finance due to your credit profile but not sure what’s on it?
Why not check using Noddle, its free for LIFE! Having free and unlimited access to your credit report lets you know where you stand, and gives you the information you need to make better decisions about the things you want.
Your credit rating is very important to your lifestyle, as it decides everything from personal loans to mobile phone contracts. Noddle gives you free for life access to your credit report.
Noddle is part of Callcredit Information Group and it’s Callcredit that provides your credit report.
You won’t need to pay anything at any time to see your credit report and credit score, which will be updated monthly, as long as you remain an active Noddle customer. As an active Noddle customer you will be able to see your credit report for free as long as this service is live.
With Noddle, you have free access to your credit report and credit score so you can look it as often as you want, there are no restrictions. Remember your credit score and the information in your report will be updated monthly so they recommend you check it regularly just as you’d do with your bank statement or utility bills.
At Noddle the credit scores are out of 710 and they rate people on a scale of 1-5.
Your credit score and rating reflect your history of borrowing and the likelihood of you making repayments should you borrow again. If you have a high score, you are usually seen as a lower risk and, consequently, you have a greater chance of being approved for credit.
However, it’s important to remember that lenders don’t make their decision solely off your score. In fact, when they review an application they consider loads of different things. This means that a high score doesn’t automatically lead to credit approval in all cases and vice versa with a low score.
You can see all the financial and related information Noddle hold about you on your credit report. They have no access to other personal information such as criminal records, political persuasion etc.
The credit account information that is shown in your credit report is supplied to Noddle by lenders and they cannot change these details without the particular lender’s permission.
Lenders (who actually own the credit account information) update Noddle records every month and they will show this updated information on your report when they get it.
Some of your credit accounts might not appear on your credit report because the companies have not provided Noddle with information on those particular accounts. Some companies may only provide details of accounts where the customer has fallen behind with payments. If you have paid these accounts on time, this may explain why Noddle don’t hold any information on them. Alternatively, the company in question may not send account information.
Lenders (who actually own the credit account information) update their records every month and Noddle will show this updated information on your report when they get it.
Settled and defaulted accounts are kept on their records for six years from the date of settlement or default. After this time they are automatically removed and won’t show on your credit report.