Experian credit check

Credit checks are so important these days. Everything from credit and store cards, to bank loans and mortgages will be decided on credit checks made against your name. What many people don't realise is that they can credit check their own credit report in order to see what information the credit agencies hold on their credit history and what lenders see when you apply for credit.

Why run your own credit check?

A credit rating is one of those invisible factors that can actually play a significant role in your life. Not only can a poor credit rating exclude you from offers, products and services, it could also affect your ability to open a bank account, get certain jobs or even get a roof over your head.

Whenever you apply for credit, the credit provider will run a credit check before deciding whether to let you have their products, services or loans. If your credit check indicates that you may represent a credit risk for some reason, two things can happen.

  • As a result of a poor credit check, you may be refused the product or service you want
  • You may be offered credit, but at a higher rate because of the perceived risk to the lender

Making a credit check on your own report will allow you to see if you have credit problems. It will also show if you have been the victim of ID fraud, or if there are historical mistakes that are compromising your credit score.

Experian credit check

Experian is the UK's largest credit reference agency. Members of our CreditExpert subscription service can get SMS and e-mail alerts when information on their credit report changes.

Get your 30-day trial to credit check 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
credit expert

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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.