Frequently Asked Questions

Halifax Credit Checker, powered by Noddle

  1. What is the relationship between Halifax and Noddle?

  2. Who should I contact if I have any queries regarding my Halifax Credit Checker account?

  3. I have a good credit score, does this mean I will be accepted for credit with the Halifax?

Your Credit Report

  1. Who provides my credit report?

  2. How many times can I look at my report?

  3. What is my Noddle score and rating?

  4. What personal information do you hold about me on my credit report?

  5. Is there any such thing as a blacklist?

  6. How long does it take to update your records?

  7. Why don’t some of my credit accounts appear on my credit report?

  8. How often is my credit report information updated?

  9. How long will information stay on my report?

  10. There is a company shown on my report that I don’t recognise, what should I do?

Searches

  1. What do I do if there’s a search on my report I know nothing about?

  2. Can I find out who has searched my credit report?

  3. Can anyone search my report?

  4. How long are searches kept on my credit report?

  5. Why do lenders look at searches?

Short Term Loans

  1. What is the Short Term Loans information on my credit report?

  2. How often is Short Term information updated?

  3. How long will Short Term Loans information stay on my credit file?

  4. I have closed one of my Short Term Loan credit accounts. Why does it still appear on my credit file?

Being turned down for credit

  1. Why have I been turned down for credit?

  2. Will my credit report show that I have been turned down for credit?

  3. What information do lenders use to make their decision on a credit application?

  4. Have I been turned down because of a previous occupant at my address?

  5. How can I improve my credit report?

County Court Judgements & Insolvencies

  1. How do I get CCJ’s removed?

  2. How do I get a CCJ marked as Satisfied?

  3. How do I get an Insolvency removed?

  4. How do I get an Insolvency marked as Discharged or Completed?

Other people’s details

  1. Why are other people’s details on my credit report?

  2. How do I take other people’s details off my credit report?

Identity Theft

  1. What is identity theft?

  2. What is identity fraud?

  3. How can I tell if I’m a victim of identity theft or fraud?

  4. How can I protect myself from identity theft?

  5. What happens if I’m the victim of identity theft?

Incorrect information on your report

  1. What if there's incorrect information?

  2. How long will it take to update incorrect information on my report?

  3. What should I do if I have a limited (thin) credit history?

Notice of Correction

  1. What is a Notice of Correction?

  2. How do I leave a Notice of Correction?

Credit Rating

  1. What do the different credit rating banding mean?

Updating Your Account Details

  1. How do I change my password?