Welcome to our monthly Q&A session, where we shine the spotlight on some of the questions we get asked by our Noddlers.
This month, we’re taking a look at what you can do if you spot some information on your credit report that you don’t think is correct.
I’ve spotted something on my Noddle report that doesn’t seem right, what should I do?
The information you see on your Noddle credit report is based on data that’s provided to us by financial organisations, local authorities, courts and insolvency services. If information isn’t right on your credit report, it may well be incorrect with these organisations. Changes to your credit report are dependent on us getting an update from the data providers, and this happens every 4-6 weeks. Together with the 30 day refresh period, changes can take up to 10 weeks to show on your Noddle credit report.
If you think the error goes beyond these timings, you have a couple of options:
- Contact the lender that the information relates to. For example, if it shows that there’s an outstanding debt on a credit card that you’re sure you’ve never taken out, you could speak to the card provider
- Alternatively, you can raise the issue through Noddle (as long as you’re signed up and are a Noddle customer)
How can I raise the issue through Noddle?
You can raise and manage the issue yourself by logging in to Noddle. Click on the ‘My Credit Report’ tab at the top, which will bring your report up. Next to each account shown will be an arrow to the right of it and if you click on it you’ll see the dispute option (in orange). By clicking here, you’ll be able to report any problems you have with the information. You can then keep a track of things by going into the ‘My Account’ tab and then ‘My Disputes.’
Alternatively, you can email us at email@example.com, or write to us to ask us to look into this on your behalf. Within the letter you’ll need to quote your name, address and explain what’s wrong. We’ll then look into this with the data provider and get back to you within 28 days. As Noddle would be raising the issue for you, you wouldn’t be able to get updates through the ‘My Account’ area though.
You can write to: Consumer Services Team, Callcredit Consumer Limited PO Box 491, Leeds, LS3 1WZ.
Will I be charged a fee to raise a dispute?
Everyone has the right to dispute any information they think may be incorrect under the Consumer Credit Act and you’ll never be asked for payment to do so.
What happens after the issue’s been raised?
You’ll receive an update within 28 days of raising a dispute through Noddle. For some disputes we may need to ask you for additional evidence and we’ll notify you if this is the case.
Will raising a dispute impact my credit score?
Raising a dispute won’t impact your credit score, but you may see an improvement in your credit score if the dispute is resolved in your favour.
How long will it take to get something corrected?
Noddle will get back to you within 28 days after you’ve raised a dispute to provide you with an outcome.
If the data provider has agreed to amend any account information, this will be reflected in your credit report the next time they provide us with account performance information. As mentioned, this happens every 4-6 weeks and together with the 30 day refresh period, it could take up to 10 weeks to show on your Noddle credit report.
We hope you found this useful. If you’ve got any more burning questions that you’d like to be answered next month – get in touch by messaging us on Facebook @noddleuk or tweet us @useyournoddle.