A question about : Call Credit (Noddle) refuse to make corrections
I find myself in a ridiculous situation here, please bear with me and your suggestions are welcome.
Have spoken to Halifax re Clarity card application. Halifax says they take a credit report from all 3 credit reference agencies and if any one shows a problem they will reject.
I have obtained my Noddle credit report. Here's where the problem starts. Since birth, I have been called by my middle name, in fact it really is the only one I recognise. But formal documents record in standard First Name - Second Name - Surname order. So my (middle name) credit reports, all get max scores and are fine. But they do not show me as being on the electoral roll, which is First Name - Surname, even though I have been on it with this council for 30 years and 10 years in my present house.
Without that electoral roll entry my credit card applications will be blocked.
I resolved this about 2 years ago with Experian, very simply by submitting their form to add an 'alias'. All done in a matter of days.
I have written to Noddle and they refuse to make the same 'alias' link in my names, saying we cannot add an alias to your credit report. Aliases are provided to us directly by lenders when they have evidence that another name is linked to your current name But, as I pointed out to them, I shall never be applying to a 'lender' as such, only a credit card application. And that will be rejected on the credit check because there is no alias proving my electoral status.
I now see this becoming an endless loop. I hope I am making sense to you.
How can I force Noddle to accept my alias application in a like manner to the other CRA's?
Best answers:
- Have Halifax actually rejected you? If they haven't, I would't bother correcting the CallCredit data. It's seldom used for anything important with respect to credit applications.
- I agree with above.
Like to know where this big fascination for Noddle has come from'yes I know its free but no blo0dy lender searches them. - Thanks for responses guys.
I actually called Halifax Clarity applications yesterday (on the telling bone) and that's what the lady told me - they search all 3, and if any one shows a glitch they'll reject.
I argued what if one shows all good and another doesn't. I then got the telephone equivalent of a shoulder shrug.
So I told her there seems little point in me actually making an application as it would appear that all I'll get out of it is a black mark on my credit file. She said there was nothing she could do about it. - So what you are saying is that you have decided to use your government name for some organisations and your private name for others. Why would you do this? No organisation cares what your friends and family call you.
- Its not a conscious matter.
If your, long forgotten, birth registration says Frederick Joseph Bloggs but throughout your entire life have only ever been called Joe Bloggs you tend to respond to that name. You sign up for billing in that name, you get listed in the telephone directory in that name, it becomes what you think of yourself as . . Joe Bloggs.
Quote: - .... which i don't really care about .....
- I have checked with Skipton and they still use it, I can't be bothered to go through the others, I don't have the time. I've put up the list, if people want to find out then that's up to them.
- Why don't you just change your name by deed poll?
- It's actually as old as July 2007 and it's inaccurate (Lloyds and BOS both don't to my knowledge).
That lists suggests it's mostly building societies and the odd ex-BS like Halifax and as this is a credit card forum, it mostly confirms the above and that is CallCredit is largely irrelevant
This is a much better resource: https://forums.moneysavingexpert.com/....php?t=2419785
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