The meaning behind the numbers
Experian CreditExpert offers an array of useful tools and expert guidance to help you understand, monitor and improve your Experian Credit Score.
Stay in control of your finances and get your Experian Credit Score*.
Are you confused about your Experian Credit Score changing?
If you do see a change, this may be because we have recently updated how we calculate the Experian Credit Score to make sure it remains as accurate as possible and closely reflects how lenders may view your credit history. If this is the case rest assured that this won’t affect your chances of getting credit.
The Experian Credit Score is a guide that will help you understand how lenders are likely to view your credit history when you make an application and to help you track your progress if you are working to improve the picture your credit history paints. For more information, visit our score update help page.
Derived from your credit report
Your Experian Credit Score is based on the information provided in your Experian credit report and ranges on a scale from 0-999.
The rating scale helps give you an indication of how lenders may interpret your credit report; the higher the score, the lower the perceived risk and therefore the more likely you are to be granted credit along with potential better rates.
Understanding your score
Your Experian Credit Score is essentially a snapshot of your current credit status and can be broken down into five categories; very poor (0 - 560), poor (561 - 720), fair (721 - 880), good (881 - 960) and excellent (961 - 999).
Monitoring your score regularly can help minimise the damage that mistakes and potential fraudulent activity can have on your creditworthiness.
Learn to improve your score
Your Experian Credit Score is constantly changing along with your circumstances. As a higher score is seen as lower risk, it pays to make sure you’re achieving the highest credit rating possible.
Experian CreditExpert allows you to monitor your credit score history and how it fluctuates over time. Any positive or negative factors affecting your score will flag within the tool, allowing you to take action to improve your credit score.
Further support and education
Experian CreditExpert provides useful tools, information and expert guidance to help you improve and better manage your financial situation. From the useful alerts functionality, which informs you of any sudden changes to your score, to the detailed information centre, which is crammed full of useful downloadable documents.
With Experian CreditExpert, you are never short of help.