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ff thank you for your reply. Half a point feels very significant to me when the top score on Noddle is 5* and mine has dropped to 4.5. The maximum points you can get to = a 5* rating is 710 and mine has dropped to 625 this month. I pay absolutely everything by DD and check my accounts daily to make sure everything is in order so, no, I don't have overdue payments. Perhaps I'll sign on with another agency and check my credit rating elsewhere. Do you happen to know which ones do it for free?