My sample credit report

My credit score

601

My credit rating

3/5
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What does this mean?

Credit Score

Your credit score is
601
You're here
Very Poor
Fair
Excellent

How my score compares to others?

My credit score

601

Average score in my area

500

Average score across the UK

600

We calculate the average credit score for the entire UK and for your region based on the postcode we hold for you within Noddle.

Why is my credit score important?

Your credit score is a number that can affect your ability to be approved for credit as it helps reflect the likelihood of you making repayments.

Credit scores help lenders assess each application fairly using their criteria. People with a high score are usually seen as lower risk, and are therefore more likely to be able to get credit (possibly at better rates). However, your score is only one element that a lender will take into consideration when reviewing your application so a high score doesn't guarantee that your application will be accepted.

Check your eligibility before applying for credit

Use our credit card & loan matcher to see which cards and loans you’re eligible for based on your credit score. It’s fast, free, secure and won’t affect your credit rating.

Compare Cards > Compare Loans >

Why is my score different to my score with Equifax or Experian?

Just like each lender has different factors they take into consideration when building their score, each credit reference agency also has different factors and approaches which they use. This means that each credit reference agency may have a different credit scoring model and show you a different credit score. For example, while one agency may score you out of 1000 another may score you out of 700, which makes them difficult to compare directly.

Although the score value you see may be different, each credit reference agency provides you with a view of your credit score on a visual scale which ranges between ‘Very Poor’ to ‘Excellent’. It’s a good idea to look at where each credit reference agency places you on this scale to more easily compare how the different agencies score you.

Personal Information

These are the details you gave us when you asked for your credit report. We’ve used this information to provide your report.

Name
Mrs Rachel Saloon
Date of birth
June 24, 1977
Date report created
January 23, 2012
Search reference
380952C5-7407-4337-A546-8F9590012076
Current address
62 Top Gear Lane, Test Town, X9 9LF

If there are any problems with the data on your report, simply click on the “Dispute” button which you’ll see at the bottom of each record to inform us.

If you've moved house, don't forget to update your details in My Account so that we can give you your most recent credit report.

If you’ve changed your name, we can change that for you but first we’ll need to see your legal name change documents, such as your marriage certificate, passport or deed poll papers. Please email contact@noddle.co.uk to find out more.

Financial Account Information

This section shows you the information provided to us by credit providers and lenders on your current financial accounts.

Credit cardsView more

LENDER
BALANCE
UPDATED
STATUS
LENDER
Any Bank Ltd
BALANCE
£3,218
UPDATED
04/01/2012
STATUS
Up to date

Personal loans and mortgages

LENDER
BALANCE
UPDATED
STATUS
LENDER
Loans Ltd
BALANCE
£8,750
UPDATED
13/01/2012
STATUS
Up to date
LENDER
Home Mortgages
BALANCE
£98,750
UPDATED
17/01/2012
STATUS
Late payment

Other accounts

LENDER
BALANCE
UPDATED
STATUS
LENDER
Any Bank Ltd
BALANCE
£750
UPDATED
19/01/2012
STATUS
Default

Short Term Loans

This section shows details of any credit account information held by Callcredit which is updated more frequently than monthly.

It helps lenders to make more timely and accurate assessments of your credit risk, whether you can afford the credit you’ve applied for and any potential fraud risk. (You might sometimes hear it called MODA). Lenders will be able to see the most recent daily data when they check your credit report, but please remember you’ll only see a monthly snapshot on your Noddle credit report.

Please note, that any accounts showing in this section will also appear in the ‘Financial Account Information’ section. This is nothing to worry about – it allows lenders to see the daily updates for a short period of time (accounts remain in the ‘Short Term Loans’ section for 50 days) while seeing the information on a more long-term basis through ‘Financial Account Information’ (where accounts remain for six years).

ORGANISATION
BALANCE
STATUS
ORGANISATION
LENDER 1
BALANCE
£100
STATUS
Overdue
Name
Rachel Saloon
Address
62 Top Gear Lane, Test Town, X9 9LF
Date of birth
24/07/1977
Organisation type
FN
Account number
*************0123
Account suffix
1
Account type
Telecommunications Supplier
Limit
£1,000
Account start date
05/08/2014
Repayment frequency
Weekly
Number of overdue payments
1
Is account rolled over
Yes
Has credit extension
Yes
Were payment terms changed
Yes
Value of next payment due
£12

Credit Report Search History

This section details searches that have been made on your credit file through Callcredit within the last 24 months.

Searches stay on your report for 2 years and do not have any impact upon your credit rating.

Find out more about searches and what to do if you don’t recognise one

COMPANY
PURPOSE
DATE
COMPANY
Credit Money Limited
PURPOSE
Credit check
DATE
04/01/2012
Input address
62 Top Gear Lane, Test Town, X9 9LF
Search reference
84FDAAEB-9A01-4931-8FAC-549FB70155A8
Name
Mrs Rachel Saloon
Date of birth
24/07/1977
Application type
Sole
COMPANY
Any Employer
PURPOSE
Employee Check
DATE
25/11/2011
COMPANY
PDL Savings Bank
PURPOSE
Identification Check
DATE
01/09/2011
COMPANY
Credit Money Limited
PURPOSE
Credit Check
DATE
04/01/2012
Show more

Connections & Other Names

This section shows you the information about financial connections and other names.

Financial connections - Details of who you share a financial connection with.

Other names - Any other names e.g. maiden name or any different variations of your full name that you may have been previously known by on the financial accounts that currently appear on your credit report.

Financial connections

NAME OF CONNECTION
SOURCE
LAST CONFIRMED
NAME OF CONNECTION
Mr Jack Ferrari
SOURCE
Town Bank
LAST CONFIRMED
21/02/2011
Date confirmed
03/01/2003
Something wrong with the data?
Dispute

Other names

OTHER NAME
SOURCE
LAST CONFIRMED
OTHER NAME
Miss Rachel Kings
SOURCE
Any Bank Ltd
LAST CONFIRMED
01/01/2004
Date confirmed
25/11/2010
Something wrong with the data?
Dispute

Electoral Roll

This shows the dates that your name was registered on the electoral roll at your current address. The information is supplied to TransUnion UK by your local council.

Name
Mrs Rachel Saloon
Address
62 Top Gear Lane, Test Town, X9 9LF
Dates
04/12/2008 to date*
Current status
Present on Edited Roll
Something wrong with the data?
Dispute

Public Information

Details of any Bankruptcies, Insolvencies or Court Judgments that are in your name.

Bankruptcies and Insolvencies

You have no Bankruptcies or Insolvencies recorded on your report.

Judgments

CASE REFERENCE
TYPE
STATUS
CASE NUMBER
TEST 7840891
TYPE
County Court Judgment
STATUS
Active
Name
Mrs Rachel Saloon
Address
62 Top Gear Lane, Test Town, X9 9LF
Judgment date
04/11/2010
Amount
£544
Court name
Testtown
Object

Notices of Correction

Details of any statements you have asked to be added to your credit report to explain an item of information on your report which is factually correct but you believe creates a misleading impression.

DATE CORRECTION ADDED
REFERENCE NUMBER
DATE CORRECTION ADDED
18/01/2012
REFERENCE NUMBER
REF148631882
I have a number of late payments across all my financial accounts for the period between May and November 2010 as a result of being made redundant and being out of work for several months. I am now employed and am making repayments on time and managing my finances well as I always have in the past. I'd like lenders to consider this change in personal circumstances when assessing me for credit.

You can send a letter to Noddle Customer Service Team, Callcredit Consumer Limited, PO Box 491, Leeds, LS3 1WZ with the wording you would like to add in your file.

You'll need to let us know your:

  • Full Name
  • Date of Birth
  • Address

Please remember to sign your letter.

Alternatively, you can email us with the above information at Consumer.Admin@callcreditgroup.com.

A Notice of Correction can’t be more than 200 words, defamatory, libellous, incorrect or frivolous. The note will remain on your Callcredit credit file until you ask us to remove it.

Cifas

Details of any warnings registered at your address(es) by Cifas, the UK’s Fraud Prevention Service.

Cifas is the UK's fraud prevention service. If you have taken out Protective Registration with Cifas, or one of the organisations that works with Cifas has registered you as a victim of fraud, this information will appear on your report.

This information does not affect your credit rating, it acts as a warning that you could be at higher risk of identity theft and prompts organisations working with Cifas to take extra care with applications in your name.To find out more about Cifas, visit www.cifas.org.uk.

How do I get a Cifas warning removed?

Only the Cifas member who arranged for the warning to be added to your credit report is able to alter or remove it. It's not something that Noddle or Callcredit can do, so we'd recommend that you contact them directly.

There are no Cifas warnings registered at your address(es).