This sample report explains at-a-glance, the key components of the Experian
credit report which is included as part of your CreditExpert membership.
Use the links on the left to navigate the sections of this sample report. Click
on the highlighted numbers in the sample report below to get more information.
These are the details you provide us with when you become a CreditExpert member.
We use this information to produce your report.
When you join CreditExpert, you give us basic information that lets us identify
you and find our credit report when you ask for it. If any of your details
change, you can let us know by editing your profile.
Is your profile up to date?
This section lists all the organisations that have contributed information to
your credit report. It's a central source of contact details for you if you
want to query anything or find out more.
Do you want to contact anyone?
This section shows the dates that your name was registered on the electoral roll
and the addresses you were recorded at.
How lenders use the electoral roll
Lenders check whether you are registered to vote at your current address as a
precaution against fraud. If they don't find you or you're registered at a
different address, they may ask for further proof of identity or even turn you
Are you on the electoral roll at your current address?
Aliases are created when lenders tell us of other names you have been known by
or when you tell us of other names you have used.
Your other names
Many people change their names when they marry or divorce. Others simply don't
like the name they were born with or are given a title. This section lists your
current and previous names here - your aliases - and allows you to find out who
notified the name change.
Are all your names recorded correctly?
Financial associations show details of anyone you are financially connected to.
Financial connections are created by joint accounts, joint applications, joint
court judgments or from information you give to us.
When you take out a joint credit account, such as a joint credit card, you
create a financial link with the other applicant, who is then listed in your
credit report as a financial associate. Lenders may check the credit report of
financial associates when you apply, because their financial circumstances
could affect your ability to repay.
Is the list of your financial associates up to date?
This section of your credit report contains details about court judgments,
bankruptcies and individual voluntary arrangements.
Your credit report contains information held on public records, such as court
judgments for non-payment of debts, any bankruptcies or individual voluntary
Is the information taken from public records correct?
Bankruptcy, IVAs and court judgments
Records of court judgments and IVAs are held on your credit report for six years
and bankruptcies are there for at least the same length of time. Debts repaid
within a month of a court judgment can be marked as Satisfied.
Are details of court judgments, IVAs and bankruptcies up to date?
Credit account information shows details of your credit agreement with lenders.
The term "credit" covers every account that gives you something of value -
money, goods or services - that you can use today, on the understanding that
you will repay the lender at a later date. That's why you'll find items such as
utility and mobile phone accounts here, as well as credit cards, loans and
Are all your accounts listed on your credit report?
Every account in your name will affect your credit rating - even if a criminal
is impersonating you to borrow money. If you find any accounts you don't
recognise, you could be a victim of ID fraud.
Did you set up all the accounts in your name?
From catalogue shopping to a loan for furniture, you probably have many
different types of credit account.
Do you know how many credit accounts you've taken out?
This entry shows the current balance of each account - the amount you have spent
and not yet repaid. You'll also find the date the account was opened.
Are your balances recorded correctly?
Look out for an 8 when checking the account status. It means that a lender has terminated the account because you haven’t made payments and have failed to bring the account back into order. A defaulted account stays on your credit report for six years and is likely to lower your credit rating.
Have you defaulted on your repayments?
Are you making your repayments on time and in full? Your status history shows
whether you do. You'll find a key that explains the symbols at the end of this
Are your repayments up to date?
Changes to Payment Terms
These entries show you a history of changes to your payment terms.
Are your payment terms changes recorded correctly?
Credit Limit History
These entries show you a history of credit limit changes.
Are your credit limit changes recorded correctly?
Previous searches show the names of organisations that have seen some or all of
the information recorded on your credit report within the past 12 months
You agree to let lenders search your credit report when you apply to them. They
may also check when they are preparing a quotation or make routine risk
management checks on existing accounts. Other lenders will only see application
for credit searches.
Who's been looking at your credit report?
Multiple applications for credit within a limited period can count against you
with other lenders, as it could be a sign you are struggling with your
finances. It's important to be sure that nobody has mistaken a request for
information for a full application or double-searched your credit report by
Has anyone searched your credit report unnecessarily?
If you've moved in the last few years or have applied for credit from an address
other than your usual one - for example, a holiday home - those addresses
Are your address details up to date?
If even the post code on one of your addresses is wrong, it could affect your
credit rating because lenders could worry that your are lying to them and don't
mean to honour your debt.
Are your addresses correct?
CIFAS, the UK's Fraud Prevention Service, aims to detect and prevent fraud and
to protect innocent people whose names, addresses or other details are used
fraudulently by others to get goods and services.
Being on the CIFAS register doesn't mean you've done anything wrong. It's
designed to protect you from fraudsters and warns lenders that a criminal has
previously tried - perhaps successfully - to use your identity to borrow money.
Are you on the CIFAS register?
GAIN, the Gone Away Information Network, shows where an individual owes money
and has moved without giving the lender a forwarding address.
If you move without telling a lender and are at least 30 days behind with your
repayments, your last known address will appear here. Often there is an
innocent explanation and the situation can be put right.
Have you forgotten to tell lenders you've moved?
Registration No. England 653331. All Rights Reserved.
CreditExpert is provided by Experian Ltd.
Experian Ltd is an Appointed Representative of Motorfile Ltd. Motorfile Ltd, Landmark House, Experian Way, NG2 Business Park, Nottingham, Nottinghamshire, NG80 1ZZ is authorised and regulated by the Financial Services Authority. Identity Fraud Expenses Insurance is provided by Motorfile Ltd as agent for Arc Legal Assistance Limited and is underwritten by Inter Partner Assistance S.A.