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View your Credit Rating for free

There’s been a gradual move in the UK credit reference market towards getting people to subscribe to a service that monitors their credit rating. One pretty tenuous justification behind selling this idea is that if someone impersonated you in order to make a dodgy loan application, or they perpetrated an identity theft scam and defaulted on some finance deal, then this would damage your (genuine) credit rating – so by monitoring your rating, if it plummeted suddenly then you would know something was wrong.

Hence the two mainstream agencies Equifax (£14.95 a month) and Experian (£14.99) offer subscription services to help monitor your rating or check out anything untoward on your credit file. A Statutory Report is available at £2 a time. However a third UK agency called CallCredit has been a gamechanger in this field. Instead of trying to tie you in to nearly £170-worth a year of credit monitoring that I would suggest you don’t really need, Callcredit offers a consumer-friendly service under its Noddle brand to give you basic checking and a view of your history all for free, as I wrote back in 2012 here.

Noddle has now gone a stage further by offering users a chance to see their credit rating, again for free. Now anyone can log into their Noddle account and see their credit rating instantly. A 3-digit value is displayed.

I did notice the values don’t seem to tally with those provided by e.g. Experian  For example the values for a Good or Excellent rating on Noddle equate to Poor on Experian. But it’s still officially ‘Good’ or ‘Excellent’ as far as Callcredit is concerned.

Noddle also offers a range of credit rating monitoring, protection and improvement services that are far cheaper than their rivals so log into Noddle now and see what your rating is for free.

Everything you need to know about credit reference agencies will be found at the Information Commissioner’s office website at