I was just viewing my credit files on noddle and clearscore, wow how they are different! clearscore has next to nothing on it where Noddle has everything up to date in terms of accounts i have out and loans etc and showing defaults.

so if PDL companies only use clearscore in my case it will show i hardlies have any credit taken out which is why they might have given me the loan where as if they checked call credit they would see that i am in a mess currently!

should these companies be checking across all of the major three credit reference agencies as they all show different information which would would help them get a true picture of ones finances?

for example Oakam did an anti money laundering search on noddle then did the credit application search on clearscore, if they did the credit search on noddle they would of seen my defaults!

There used to be a list of credit agencies used by Banks on this site and elsewhere. From what I remember most don't use clear score or any aimed at consumers. They use one CRA that has the most comprehensive up to date data. I think it was Equifax most of big UK Banks used.

Clearscore shows your Equifax CRA -

Noddle your Callcredit CRA -

And MSE Shows your Experian one for free...

my clearscore one only shows 2 payday loans when noddle shows em all

oakam and loans 2 go checked on clearscore, everyone else did callcredit, bit bizarre they would check clearscore when its clearly not the one up to date, nonetheless my score on there was 158 down from 210 when they both credit checked me.

Noddle will show them all/. Callcredit was the first CRA to do real time updates for short term loans...

Have a read youll understand

https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=69469

read the guide but where it states " Noddle by Callcredit is a free offshoot that allows you to view your ENTIRE report free of charge. It

updates once every 30 days & is based on Callcredit’s info so may be different.

why would the info be different it its based on callcredit? wont Noddle have identical information?

there are only 3 providers- Experian, Equifax, callcredit

the others purchase old data at a reduced rate from one or more of the above then provide it free with recommended product adverts.

there are only 3 providers- Experian, Equifax, callcredit

the others purchase old data at a reduced rate from one or more of the above then provide it free with recommended product adverts.

ah i see, but you cant access the call credit one can you? it just points you to Noddle.

same

just checked the experian one, its shows my payday uk one as closed with 0 balance yet noddle shows it still open with the balance which is correct as its not paid, is it best to work on getting all 3 correct up to date or just the Noddle one as that seems the best one.

as long as you have no outstanding defaults, CCJ, etc

then the lates of closed accounts are not harming you.

if your score is low they will not be the reason