Experian Credit Report

Experian CreditExpert is the UK's number 1 credit reference agency1, and Experian Credit Reports are an important source of information for UK lenders. New members can see what the lenders see when they sign up for a 30-day trial with Experian CreditExpert. With unlimited access to your credit report you can check your credit history, rectify any inaccuracies and get a good idea of your credit rating, easily. After the 30-day trial you can continue to check your credit report as often as you like for an all-inclusive monthly fee of £14.99. Further ID verification may be required to access the full service, which may take up to five days.

What is a Credit Report?

A credit report is a tool used by lenders and other interested parties to gain an insight into whether they think a person will be a reliable and responsible borrower. An Experian Credit Report lists information from two sources – public records and information provided by relevant lenders and financial institutions – to build a picture of an individual's credit history.

Examples of when your credit report will be looked at by a third party include:

  •  When you apply for a mortgage or car loan
  •  When you apply for a loan, credit card, overdraft or store card
  •  When applying for a catalogue credit account or online credit account
  •  When you wish to rent a house
  •  When you’ve applied for a new job or work position

While you might not have previously been aware of your credit report, it’s actually something that can affect many aspects of your life. From the larger purchases, like a house or a car, to the convenience of opening a store account, the information held on your credit report can be crucial.

Why check my Credit Report?

There are many reasons why checking your Experian Credit Report is a good idea – and with Experian CreditExpert it’s easy:

Making a big purchase

Perhaps you’re thinking about taking a step onto the property ladder, or getting that car on a finance plan. Checking your credit report can enable you to see if there are any possible obstacles – and what you can do to rectify them before you take the plunge.

Make the right borrowing decisions

When you apply for finance several times in a short space of time it can leave a negative mark on your credit report. Having an idea of your credit rating will enable you to decide whether borrowing is a right and realistic option for you and your financial circumstances.

Check for mistakes

If there are inaccuracies on your credit report you can find out with Experian CreditExpert and take steps to rectify them.

Protect yourself from identity theft

Identity theft and identity fraud are big problems in this modern world. With the Experian CreditExpert credit report service you can monitor your report for any suspicious activity, and deal with any issues as soon as you become aware of them.

Peace of mind

Knowing that you’re in the loop when it comes to the information held on you is reassuring. Whatever your credit rating, having the facts will enable you to make the best decisions for your circumstances, and stay in control.

Why choose Experian?

Experian is a credit reference agency trusted by both lenders and individuals. Experian CreditExpert has provided credit reports to over 5 million people just like you, giving them the confidence to find the best financial solutions for them.

Experian is accurate

The records held by Experian are twofold – both public records such as the electoral roll and court judgements, and lender information including current and past credit accounts and applications. This builds a picture of a credit history that customers can trust.

Experian makes it easy

With a new member 30-day trial of Experian CreditExpert you can monitor your credit history with ease. It’s a simple process to access your credit report online, with the trial period starting on registration, and you can continue to access your credit report after the 30-day trial has ended for an all-inclusive monthly fee. Further identification may be required to access the full service, which can take up to five days. Sign up today and trust the experts at Experian to help you take control of your credit history.

1UK's No.1 Source: CreditExpert is the UK's market leader by share of unique users. Comscore, Sept 2013