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
Sign up to your 30-day trial today.