Experian Credit Report
Checking your credit report is the first major step in taking control of your financial situation. The more you know about how your credit report works, and how lenders and others use it, the easier it is to improve your credit status – and increase your chances of being offered the best credit rates on the market.
Experian CreditExpert offers an array of useful tools and expert guidance to help you understand, monitor and improve your own credit status. Stay in control of your finances and get your Experian credit report*.
Experian credit report - What is it?
Your Experian credit report details your personal credit history, including mortgages, credit cards, mobile phone contracts and more. Your report contains information that helps lenders confirm your identity and assess whether you’re a reliable borrower.
Experian CreditExpert allows you to view your credit report through an easy to use online interface. View positive and negative factors affecting your Experian Credit Score and take the necessary steps to help improve it.
Checking your credit report - Why it's important
When you apply for financial products, lenders will normally check your credit report and use the information, along with their own policies, to assess whether you are likely to repay what you owe on time. This helps them decide whether to offer you the product and which terms to set, such as interest rates.
Other people may check your credit history too. Prospective landlords and employers may see elements of your credit report, so it can also affect your chances of renting a home and job prospects.
Mobile and email alerts
Experian CreditExpert puts you in the driving seat, allowing you to check that your report is accurate and reflects your current circumstances.
Receive alerts by mobile text or email whenever there’s a significant change to your credit report. Monitoring your credit report is one of the best forms of protection against identity fraud allowing you to view potential anomalies.
More than just a credit report
Experian CreditExpert provides more than just your credit report, including:
- Tailored credit deals to help you cut costs and save money
- Access to our ‘Victims of Fraud' Team
- Access to your Experian Credit Score
- Interactive tools to help keep you in the know
- Contact details of your lenders...and much more
**Based on a survey of 132 consumers conducted between January and March 2014.