Your Experian Credit Score

Your Experian credit score can help you to understand how lenders view your credit report.

Before deciding whether or not to lend money, many organisations take your Experian credit report, plus additional information from your application form, and generate a credit score. This score predicts the risk involved in granting you credit.

Calculating your score

Every lender uses a slightly different credit scoring formula that represents its own and industry experience. This may be adjusted according to the type of credit you are applying for. So every credit application could generate a different credit score.

Credit scoring is designed to predict how likely you are to repay a loan and to make your repayments on time. Over the years, automated credit scoring has proved to be more accurate and consistent than subjective human judgement.

Credit scores range from 0 to 999. A higher score suggests that you will probably find it easier to borrow money or buy goods on credit. Knowing your existing credit score could help you take steps to improve it.

Your credit score will also change over time as the information in your credit history and on your credit application form changes, the credit score changes too. You should check your Experian Credit Score regularly, so you keep up to date with your credit rating.

How to check your Experian Credit Score?

The first step in understanding your Experian Credit Score should be to sign-up  to CreditExpert, the online credit monitoring and Identity Fraud Expenses Insurance service from Experian. Sign up for a 30-day trial and get unlimited access to your Experian Credit Report and Score.

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.