Check your credit history

Experian, the UK's leading credit reference agency, is now offering a 30-day trial of its Experian CreditExpert monitoring service to enable you to check that your credit history is accurate and up to date, and to monitor credit searches carried out against your name.

Your credit history is important because it forms part of the information lenders use to decide whether to extend credit and on what terms. When you become a member of CreditExpert; we will give you a 30-day trial that enables you to see your credit report and credit history. By regularly checking your credit report, you will develop a better understanding of how lenders make decisions and make sure the information is correct.

Credit specialists

As a member of CreditExpert, you will have online access to our credit specialists who will be able to advise you if you have any concerns about information on your report. You will receive alerts that tell you whenever your credit history is searched and when information on your credit report significantly changes. With this service, CreditExpert also provides you with Identity Fraud Expenses Insurance to protect you if you become a victim of fraud.

Never be tempted to turn to so-called credit repair companies who claim to be able to get rid of negative information from your report. You can do it yourself by contacting the credit reference agencies directly or with the help of a money adviser, such as Citizens Advice.

Many credit repair companies will fail to “repair” your credit report. In fact, some may make matters worse by encouraging you to break the law or offering a very high interest rate loan. This is likely to cause you further difficulties.

Insurance Features

We arrange Identity Fraud Expenses Insurance, provided by Arc, underwritten by Inter Partner Assistance S.A., which covers you for:

  • An upfront payment of £50 to you if you become a proven Victim of Fraud
  • Reasonable costs incurred relating to the sending of correspondence and telephone calls as a result of identity fraud.
  • Reasonable lost earnings incurred of up to £500 per week for a maximum period of six weeks as a result of identity fraud.
  • Up to £200 for the costs of replacing your passport or driving licence should you have a reasonable requirement to replace either of them as a result of identity fraud.
  • Access to the Victims of Fraud Team who will help you should you become a victim of identity fraud.
  • The insurance makes up £6.40 out of your £14.99 per month membership fee - if you decide to continue membership after your 30 Day trial
  • You should check whether you already have insurance for some of the risks covered under this insurance policy
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CreditExpert is provided by Experian Ltd (Registered number 653331) , an appointed representative of Motorfile Ltd (Registered number: 3009493). Experian Ltd and Motorfile Ltd are authorised and regulated by the Financial Conduct Authority. Both companies are registered in England and Wales with registered office at Landmark House, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ.