Applying for credit cards? Check your full credit report online, for FREE, with Noddle

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A lot of posts on Head for Points are dedicated to collecting miles and points from credit card sign-up bonuses.  And there is a good reason for this – credit card sign-up deals are by far the easiest way to accumulate a large number of points quickly.

Your credit record is very important, and it is well worth taking a look at it every so often to ensure that it is up to date.  You want to ensure, for example, that no erroneous information is listed against your name, in terms of missed payments or cards you have.  It also enables you to watch out for any attempts at ID theft.


You have always been able to order a copy of your credit record by post from Experian for a small fee.

A website called Noddle (, though, takes this one step further in two ways:

You can view your credit report immediately, online

There is no fee whatsoever, ever

Noddle will automatically update your data as long as you log-in to the site once every three months

I have using Noddle since I first mentioned it on HFP 18 months ago.  It is far better than the ‘one month free trial’ offered by Experian on their comparable offering.

If you are churning credit cards to build up your miles, it is worth taking a look at Noddle and see what data the banks already hold on you.  (You need to be on a UK computer for it to work, note.)  You’ve nothing to lose and you may be surprised by what you find.

(Want to earn more Avios?  Click here to visit our home page for the latest articles on earning and spending your Avios points and click here to see how to earn more Avios from current offers and promotions.)

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  1. OT, please, have spent the required amounts on Amex Prem and Gold cards to receive the miles and a 2-4-1. Would like to carry on using a credit card for rewards. Where should I go next please – Virgin cards? TIA

    • Depends what you want to earn. SPG? The Hilton card for free night weekend stay?

      • Thank you. Yes, I’ve just received Hilton cards for OH and me.

        • Have you already recommended your OH for the BAPP and the Amex Gold/Plat? Playing referral ping pong with the OH can earn serious points.

    • As you only have a few months, I assume, until your BA Amex 241 year re-starts for the next voucher, you might as well go for something which can give you a miles or bonus hit in a fairly short period. Virgin is OK but only if you think you’d earn enough miles for a good redemption. Otherwise, you might as well get, say, SPG Amex to trigger a bonus you can convert to Avios.

  2. Back in the days that I was going for a mortgage (dark days indeed – I didn’t have any credit cards at the time.. ) I signed up for Checkmyfile. It delivers reports on what Equifax, Experian and Callcredit have on you, so no stone left unturned. Very happy with their service and their comprehensive breakdown of accounts. Considering I have an aversion to credit scoring agencies, I’m happy to give my money elsewhere.

    On a seperate note, does anyone know if using a charge card on an everyday basis, has a smaller effect on your score (positive or negative), than if you were to use a credit card?

    Also, if you take out a credit card and cancel it within 15-20 days, (eg I took out the SPG card, hit the 2k, paid it in full, cancelled it before the statement even had the chance to show up) how does it affect your score? I’m asking because the SPG card that I took out and cancelled, never even made an appearance in my credit accounts.

    • The_Real_A says:

      A charge card appears as an open line of credit, and the amount of the “bill” is sent to the agency each month. This impacts:
      1) Number of credit searches in last 6 months
      2) Skews your rolling average of open credit for 36 months
      3) If you have multiple AMEX cards, each one shows as a new search and a seperate account on your file.

      I have tested with MBNA and AMEX – If you clear your balance before the date that the statement is produced then the “debt” does not appear on the credit file. Its the staement balance that is transferred across.

      • This is true as I have large transactional balances each month but clear them monthly also. Yet for the purposes of someone viewing my file, it may look like I have a permanent debt of tens of thousands which goes up and down a little each month.

        The picture to the observer is quite different to the reality !

  3. David Douglas says:

    I would comment that I am not impressed with the Noddle website compared to other free products available. I signed up for it and Clear Score and the trial Experian product to identify errors that one financial institution had made, (and though the institution did compensate me, they did not tidy up the information they sent to credit agencies, so I had to do this).
    Experian and ClearScore (Equifax) corrected the information within a few days of being advised,after 1 e-mail,but Noddle seemed to do everything they could to avoid the correction, leading to protracted e-mail correspondence over a number of weeks.

  4. You need a bionic memory to verify your ID. Having / had a heap of bank accounts and credit cards I just couldnt remember when so and so account was opened…and so Noodles said ‘non’ 🙁

    • You can obtain a credit file from another provider to give you the information you need to bypass the Noddle Q&A nonsense.

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