Get to know your credit report

*A monthly fee of £14.99 applies after your free trial. You may cancel during your 30-day free trial without charge

How will it help you? Is it really useful? Well, it shows you how many accounts you have, how much you owe on loans, your linked addresses and many other things all to do with your financial history and how lenders view you when it comes to borrowing. Knowing what’s on your report can help you see the information banks and companies use, putting you in control of what happens next.

You can get your Experian Credit Report by signing up for a free 30-day trial to Experian CreditExpert*. You’ll get unlimited access to all of the information on it, as well as other things like your Experian Credit Score, alerts, monitoring of your personal information online and more.

Sign up to get your credit report*

A monthly fee of £14.99 applies after your free trial.
You may cancel during your 30-day free trial without charge.

Like the sound of credit reports but not sure what they are?

Your report is like a financial CV

They act like an explanation of your borrowing, showing a personal history of the credit you've had and the repayments you've made. Banks and other lenders use it when they are deciding whether to accept or refuse an application you’ve made to them for credit.

Times when they might want to check your credit report include when you:

  •  look to rent somewhere to live
  •  apply for a credit card, loan or even a mobile phone contract
  •  have been offered a new job

If that’s what lenders look for, should I look for the same things too?

Checking your credit report can help you understand how some financial decisions are made when it comes to the things you apply for. It can also help to put you in control of what they eventually decide:

  •  Buying something important – looking for a house, or maybe a new car? Your report will show if there is anything that might affect your chances of getting the credit you need. You can then take action to fix them and make sure you’re in the best position.
  •  Choosing when to borrow – the more times you apply for credit, the more it can affect your chances of getting it. You’ll be able to see how often and when you’ve applied using your credit report.
  •  Making sure the information is correct – if there are things on your report which are wrong, they can affect your ability to borrow and what lenders see and think when you apply for credit. Checking for these mistakes and correcting them can help your chances of being accepted.
  •  Not being a victim – identity theft and fraud are serious problems now. With Experian CreditExpert, you can check your report and set up alerts to help you spot anything that you don’t recognise and take steps to act if needed.