Credit reference agency Experian is the UK leader

Experian is the UK’s largest and most established credit reference agency, providing more than half a million credit reports each month to lenders of all kinds.

Experian is also the most popular choice in the UK for people who decide to take control of their credit health. More than 70 per cent of all UK credit report website visits are to Experian.

What does a credit reference agency do?

A credit reference agency keeps and securly stores data such as the credit you have taken out, your credit history and any court judgements against you. Financial institutions, shops and other organisations extending credit then use this information to help them lend responsibly.

The information held on you by a credit reference agency is only half of the picture the lender will use. The other half depends on what information you have supplied on your application form, the type and magnitude of borrowing you are applying for and how other people with similar demographics have performed in the past.

Can you see what the credit reference agency says about you?

See what lenders see, get free access to your free credit report. Experian, the UK's largest credit reference agency has a service called CreditExpert that allows you to check your Experian credit report that may influence your credit rating. A 30-day free trial will enable you to carry out as many Experian credit checks as you like and make sure that it's accurate. You will also get alerts that enable you to find out when a credit reference check is being done or when credit information and your rating changes.

With CreditExpert you also have the opportunity to order an online credit score.

Apply now for your free, 30-day trial of CreditExpert - the leading monitoring service from Experian, the UK's largest credit reference agency.