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 please use the below form to submit a question. If you wish to contact Experian to query something on your credit report, please contact us.

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Twitter: @AskJames, @AskJohnWebb and @ExperianExperts

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Top questions

Did Experian refuse my credit application?

How can I build a better credit rating?

Will multiple mortgage offers hurt my credit score?

What should I do about missing electoral roll information?

How can I build a credit history in the UK?

Will ordering my credit report lower my score?

Do Experian credit reports now include rent information?


Latest questions

Did using the short form of my name mean I was refused?

Does a late payment affect my score even if it was an error by the lender?

My mum took credit out for me and I didn't repay on time. What can I do?

What is the meaning of an exclamation mark on settled/closed accounts?

How can I remove a fraudulent account from my credit report?

What can I do after bank account was blocked and late payments recorded on a few accounts?

What happens to my credit report if I cancel a contract in the cooling off period?

Does a joint account set up for executors of an estate still link the credit reports?

Can I prevent fraud against someone who is deceased?

Will opting out of the open register affect my credit score?

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Ask James a question

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.