Authorised and regulated by the Financial Conduct Authority
UK’s first free for life credit report
Information from all main banks and credit card companies
Why it’s good to Noddle
Checking your credit report is the ﬁrst major step towards taking control of your ﬁnances. Your Noddle report includes your credit history and information about how well you manage the money you borrow. It’s like your ﬁnancial passport and lenders use this information when assessing your applications for a:
Noddle gives you free for life access to your credit report and score - helping you to put it to good use, too. We offer a quick and free service to check your eligibility for credit cards and loans so you know your chances of being accepted before you apply. Noddle is a credit broker and not a lender.
What does your Noddle credit report include?
You’ll get an in-depth view of your ﬁnancial situation, presented in a clear, comprehensive way including:
- Your Noddle credit rating and score and what they mean.
- A list of your credit accounts (bank account, credit cards, loans and mortgages).
- Six-year payment history showing whether you have made repayments on time and in full.
- Who has searched your credit ﬁle in the last two years.
- Electoral roll information for your current address and addresses linked to you in the past.
- Details of any people who you are ﬁnancially linked to, for example through a joint account.
And more. See a sample credit report
Who is Noddle?
Noddle is part of Callcredit Information Group. Callcredit is the fastest growing credit reference agency in the UK and our service gives you free and unlimited access to the same information lenders request from Callcredit. All the main high street banks use Callcredit’s affordability data to decide whether they will lend to you.
More than 3 million people already use our service, and we don’t collect or share any other personal details with third parties without your permission.
Noddle implements independently assessed security controls, using industry best standards, to ensure that your data is protected from the moment you share it with us.
Frequently asked questions
What does free for life mean?
This means you'll have access to your credit report for as long as we're around, keeping you in the know about your credit score whenever you need it.
How does Noddle make its money?
We receive a small commission from product providers for any customer who uses our site and takes out a product, such as a credit card. However, there is no obligation to purchase and customers can carry on getting their credit report and score free for life.
When can I look at my report?
With Noddle, your credit report and score is updated every 7 days for as long as you remain a Noddle customer. You have free access to your credit report and credit score so you can look at it as often as you want, there are no restrictions; we'd recommend you check it regularly just as you'd do with your bank statement or utility bills.
What information do I need to sign-up?
You'll need to provide us with a few personal details and answer a couple of questions about your financial history so we can find your report.
Your address: You'll need at least three years of address history and to have financial accounts such as credit card or loan or mortgage accounts linked to your current address.
A debit or credit card: We only use your card to securely identify you. You won't be charged.