Ask James - advice column

Every month Experian's James Jones answers a selection of your questions about credit and fraud in this ‘ask the experts’ style column

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James cannot investigate specific queries about your credit report but he can answer more general questions about credit, credit reports, credit decisions and identity fraud. Before submitting your question, please check James has not already answered a similar question.

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How James can help you

James Jones is Experian's Head of Consumer Affairs. In this popular advice column James answers a regular selection of your topical questions about credit reports, credit ratings and identity fraud. You can find the top questions, the latest questions and James’s answers below. You can also read previous Ask James answers in our five archives arranged below by subject, such as ‘Applying for credit’. And you can check out our comprehensive database of Credit Report Help Centre FAQs. If you have a specific question and can’t find an answer here or you wish to contact us to query something on your credit report, please use our customer service contact form.

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Top questions

How can I get help understanding my credit report?

Will my credit history be the same at each CRA?

Will my credit rating be the same at each CRA?

Can you help me build a better credit rating?

How often is my Experian credit report updated?

What should I do if I find a mistake on my credit report?

Who is responsible for data accuracy and correcting mistakes?

Can I stop you holding my information?

How I can cancel my CreditExpert free trial?

Who calculates my credit score?

Will ordering my credit report lower my score?

Why was I refused credit with a good credit score - is my Experian Credit Score different to the scores lenders use?

How can I establish a credit history in the UK?

Will insurance quotations hurt my credit rating?

Does taking out payday loans damage your credit rating?

Latest questions

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