We are constantly surprised with the amount of customers we speak to that have never checked their credit file before – and in a lot of situations there are things showing that need to be addressed in order to allow for access to mortgages and low interest rates in the future. One of the greatest barriers is that the people we speak to do not want to have to pay an unreasonable fee every month to see information that, at the end of the day, is about them. Why this data has historically had a pay barrier is beyond me (well, profits), especially at up to £15 a month. Imagine your bank charged you £15 a month to be able to use internet banking!

Luckily, Call Credit – the third, and most modern credit reference agency – has upped their game over the years and offer their product “Noddle” to anyone that has a spare 5 minutes to sign up.

Go and sign up now at noddle.co.uk.

Call Credit – Noddle

Cost: Free

Updated: Once a month

Fraud and Identity Theft alerts are NOT included, but available for an additional fee

When to use Noddle

  • When you are unsure why you are being turned down for credit
  • To see if any historical mishaps are still on your credit history
  • To identify and correct any errors on your credit history
  • To monitor your monthly commitments

Alternative Ways to Get Your Credit History

Credit Expert

Cost: Free 30 day trial then £14.99 a month

Updated: Daily

Fraud and Identity Theft alerts are included

One off credit file available for a one off payment of £2.

Equifax

Cost: Free 30 day trial then £14.99 a month

Updated: Daily

Fraud and Identity Theft alerts are included

One off credit file available for a one off payment of £2.

Call Credit – Credit Compass

The paid alternative to Noddle with a couple of advantages including:

  • Credit report updated daily
  • Additional information on how to improve your credit file
  • Fraud and Identity Theft alerts

One off credit file available for a one off payment of £2.

If you are interested in discussing what is on your credit history we are happy to talk you through what everything means, and let you know what loans are available in your situation.