In this brief guide, we are going to discuss Noddle.

Your credit report is a very important thing as it affects most of your finances and having a healthy credit score is very good for your financial wellbeing. 

In this brief guide, we will cover whether using Noddle to check your credit score is a good choice, how to cancel your Noddle account and what alternatives you may have to Noddle.

Noddle was the consumer arm of Call credit. It displayed your credit score you for free as well as provided credit brokering for loans, credit cards etc. 

Noddle is no longer operational. Its parent company, Callcredit, was purchased by Transunion and the Noddle brand was sold to Credit Karma UK who now operates a similar service to the old Noddle.

A guide on Noddle

Noddle was a UK brand which displayed to consumers their credit report. This credit report is provided by Call credit, the credit reference agency.

The fact that Noddle offered the credit report provided by Callcredit meant that consumers could check to see if there were any errors or things missing from their credit reports and why their credit scores weren’t rising.

Noddle wasn’t the only company offering consumers the chance to see their credit reports as Clearscore, Equifax and Experian all offer consumers the opportunity to view their credit scores. Noddle was, however, the only company that offers the credit report provided by Callcredit solely.

It is important to note that Noddle only provided a credit report provided through Transunion and that Noddle wasn’t a credit reference agency itself.

How much was Noddle?

Noddle offered a free service and you could use it as much as you want without paying. 

Noddle stated that they would  not sell your data or pass it on for any marketing purposes but there were many claims that they did the exact opposite of this. 

What is the purpose of a credit score?

Credit scores and credit histories essentially collect and store information on your credit behaviour. 

This means how many times you apply for credit, how much credit you have, how much credit you have paid back, how much credit you owe, what your credit repayment history is, do you miss credit repayments or do you make all your credit repayments on time, what type of credit you have, how many credit accounts you have  and other relevant information relevant to your identity and credit including:

How many addresses you have had?

The type of credit you have

What your credit repayment history is

What balance you have on your credit accounts

What your credit utilization is

Your date of birth

Your rent repayment history

Your current address

If you are registered on the electoral roll

If you have had any court judgements which affect your credit rating such as 

Avoid having any court judgement against you such as:

  • A CCJ
  • An IVA
  • A debt management plan
  • A default
  • A bankruptcy
  • A home repossession

The totality of this information makes up your credit score and history and all of this information would have been available through Noddle.

When you went on Noddle and register you will be able to see your credit score and credit history provided to you from Callcredit.

Your credit score is a number which summarizes your credit behaviour with one ranking.

You will notice that on Noddle you had one credit score which was provided by Callcredit.

If you want to check your other credit scores then you may want to use a service like [Check my file]() which displays all the credit scores from all the credit reference agencies unlike Noddle. 

If you were wondering if your credit score was high or not, you could have simply judged it based on the scale you are looking at when you check your Callcredit score provided by Noddle.

Your credit report is a summary and history of all your credit behaviour.

In your Noddle dashboard, you would have been able to see your credit reports from Callcredit.

This credit report will contain all the main elements of your credit report in more detail. If you find anything on your credit report which you think is an error then you should have contacted Noddle and disputed this or contacted the credit reference agency who supplied the report to dispute this directly with them.

What do you need to have a good credit score?

You may have checked your Noddle dashboard and noticed that you have a low credit score. This will usually be because the factors that make up your complete credit report will indicate that you have done things which don’t constitute good credit behaviour or in some cases, you haven’t done the basic things which ensure you have a solid credit foundation such as [registering on the electoral roll]() or opening a credit account.

To have a good credit score you will usually need to:

Keep up on your monthly credit repayments

Apply for credit when you are eligible

Register on the electoral roll

Have few addresses on your credit accounts

Avoid having any court judgement against you such as:

  • Avoid having any court judgement against you such as:
  • A CCJ
  • An IVA
  • A debt management plan
  • A default
  • A bankruptcy
  • A home repossession

These court judgements will be recorded on your credit report and will usually last there for 6 years before they will vanish or stop affecting your credit score.  You could have seen if you had any of these court judgements on your credit score by looking at your Noddle credit report and comparing the report from all three credit reference agencies by getting a statutory credit report from each of them.

You can view a more extensive guide on [how to build credit]() and after taking some of the tips provided you could have checked your Noddle account in a few months to see if any changes have happened to your score.

Initially when you take out new credit or take any action that may reflect on your credit file your credit score may initially go down and you may have been able to see this on your Noddle account.

Whenever you try to build credit you should accept that it may take a while for you to see any results because the different credit reference agencies will usually not apply any updates to your account or it may not affect your credit score instantly.

Why do you need a good credit score?

A good credit score is important as it ensures you are eligible for credit products such as mortgages, credit cards, loans etc

A good credit score will not only make you eligible for credit products but, more importantly, it will ensure you are eligible for the good rates mortgage lenders offer on products.

Your credit karma dashboard will provide useful tips on how you can improve your credit score.

Aside from being eligible for credit products a credit score may affect you if you want to rent an apartment or if you are applying for a job( especially one in a regulated industry). You may miss out on a job or apartment due to bad credit behaviour. This is why it is vital you have a good credit score and check your credit score and report regularly.

How often does Noddle update?

The data on Noddle would have usually updated monthly or as when received from the credit reference agency which usually updates their credit database on a monthly basis.

You may have noticed your Noddle account will update on one credit reference agency but there may be no update on the other credit reference agencies.

This is simply because the different credit reference agencies update their databases at different times and this was not in the control of Noddle.

How to cancel your Noddle account?

If you want to cancel your Noddle account you can simply log into your Noddle account and look under the settings tab for where you can delete your Noddle account.

Alternatively, you can contact Noddle with the details on their [contact page]() and inform them that you wish to cancel your account.

Was Is it worth using Noddle?

This depends on if you think using Noddle and access to the credit report from one credit reference agency may be beneficial to you.

Most people may simply stick to information from one credit reference agency and get their free statutory reports from the other credit reference agencies once in a while (maybe every year) to ensure that the date that the other credit reference agencies hold is accurate and if it isn’t then they could simply dispute the error with the credit reference agency.

When looking at things from this point then it may be relevant to simply use Noddle.

There are other services which offer a credit report and history such as clearscore which you may consider as a better alternative to Noddle.

You may still find value by using Noddle because you want to ensure you have a complete overview of your credit score and history from a company which also allows you to access credit products.

A free trial of Noddle

If you are unsure about Noddle but still somewhat curious then you may want to simply do a free trial with Noddle to see if it is something that you may want to use. 

Noddle is no longer in service.

If you have any questions or comments lease let us know.

If you need financial advice and you live in the UK then you could contact the Money Advice service over the phone or via chat for impartial advice.

You can also contact the debt charity “Step Change” if you are in debt and need help.

John has 22 years of experience in financial services. This spans across financial research, financial services (As a qualified mortgage broker and underwriter), financial trading and sales at global investment banks. While working as a publishing research analyst, he covered European bank credit and advised institutional clients on investment strategies at both JP Morgan and Societe Generale. John has passed all three levels of the CFA (Chartered Financial Analyst) programme.

John has 22 years of experience in financial services. This spans across financial research, financial services (As a qualified mortgage broker and underwriter), financial trading and sales at global investment banks. While working as a publishing research analyst, he covered European bank credit and advised institutional clients on investment strategies at both JP Morgan and Societe Generale. John has passed all three levels of the CFA (Chartered Financial Analyst) programme.