Take control with a free Experian Credit Report*

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

Why would you need one? What will you learn from it? Your report shows you the accounts you have, how much you’ve borrowed, what you owe and lots of other things all to do with your financial history and how lenders view you when it comes to borrowing. Whether it’s a new car, a mortgage or a loan, your credit report acts as the key to unlocking those possibilities.

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.


Want to know more about credit reports?

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.

Things that appear on a report include:

  •   Credit accounts
  •   Credit applications
  •   Financial associations
  •   Bankruptcies
  •   Electoral Roll information
  •   County Court Judgments (CCJs)
  •   Individual Voluntary Arrangements (IVAs)

What your credit report will do for you

  •   If you are looking to borrow money – lenders will look at what it says about you. Are you good with your credit? Do you pay bills on time? Your report will show you all of this and tell you how to improve if you need to.
  •   Thinking about a new job or even moving house – other parties like potential employers or landlords can see the information on your credit report, so checking it regularly can help you make the right choices at the right time.
  •   Keeping your details safe and secure – identity theft and fraud are serious issues, so reviewing the information on your report to make sure it is all correct can be key to spotting if you are being targeted.
  •   Taking action for better choices – if you’ve run into financial trouble in the past, your credit report can give you expert guidance on where you went wrong and what to do now. You’ll have the knowledge and confidence to make decisions that are right for you.