Experian credit report

Experian credit reports, the UK's most popular source of credit information for lending companies, are available to individuals, so that you can view and monitor your own credit history and find out what your credit rating is likely to be.

What is a credit report?

Your credit report is compiled using information from two main sources:

• Public records: electoral roll information, court judgments, individual voluntary arrangements and bankruptcies
• Information provided by lenders and financial institutions: credit accounts, credit applications and financial associations

The contents of your personal credit report can have a bearing on whether or not you are given credit. Your credit rating may also affect the interest rate you are offered by lenders, which could lead to more costly borrowing.

Factors other than the information held on a credit report may contribute to a lending decision, such as the information you provide on your application form, but your credit report plays a key role.

You have the right to view the information contained in your credit report to make sure it is accurate. If errors are found, you are entitled to apply to have them corrected.

To view your personal credit information that lenders are currently basing their credit decisions on, apply online for a 30-day free credit report trial of the CreditExpert monitoring service from Experian, the UK's largest credit reference agency. You will be able to see your Experian credit report as often as you like. You can also order your Experian credit score.

Start your free 30-day trial and a free copy of your Experian credit report.