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, sign up to your 30-day trial of Experian CreditExpert, the UK's largest credit reference agency. You will also have unlimited access to your Experian credit report and credit score.

Sign up to your 30-day trial today.

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.