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What is the Experian Credit Score?

The Experian Credit Score runs from 0-999 and is an indication of how a lender would see you based on the information provided in your Experian Credit Report. The higher your score, the greater chance you have of getting the best credit deals.

Excellent
961 - 999

You should get the best credit cards, loans and mortgages (but there are no guarantees).

Good
881 - 960

You should get most credit cards, loans and mortgages but the very best deals may reject you.

Fair
721 - 880

You might get OK interest rates but your credit limits may not be very high.

Poor
561 - 720

You might be accepted for credit cards, loans and mortgages but they may have higher interest rates.

Very Poor
0 - 560

You’re more likely to be rejected for most credit cards, loans and mortgages that are available.

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What affects your Experian Credit Score?

There are many things that affect your score and once you’ve signed up you’ll receive personalised tips on how to manage and improve it. We’ll highlight any positive or negative factors affecting your score, so you can quickly and easily see what is helping and what might be holding you back.

We'll also give you tips to help you raise your score – from simple things like checking all your details are correct and registering to vote, to staying within your credit limits and making no more than two credit applications every 6 months.

You might be suprised
Electoral roll
Make sure you are on it
Credit accounts
Not too many, not too few
Total credit balance
Don’t let it get too high
Highest card limit
The higher the better
Common, easy to fix
Late payments
Being even a few days late can decrease your score
Applying for credit
Every application you make can decrease your score
Maxed-out cards
Spending up to your credit limits decreases your score
Rare, harder to fix
Defaulted
accounts
County Court
Judgments (CCJs)
Individual Voluntary
Arrangements (IVAs)
Bankruptcies and
insolvencies

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Monitoring your Experian Credit Score

Monitoring your score regularly can help you spot when changes on your credit report have had an effect on your creditworthiness.

Your credit score and credit rating can improve

Credit scores change along with your circumstances. As a higher score is usually seen as lower risk, it pays to make sure you have the highest credit score possible.

Remember, that checking your Experian Credit Report will not lower your score.

More than just a Credit Score

Experian CreditExpert provides more than just your score, it includes:

  • Access to your Experian Credit Report
  • Personalised tips on how to improve your score
  • Web monitoring alerts to tell you if we find your details online
  • Dedicated, specialist help if you’re a victim of fraud
  • Help and guidance from our UK based call centre team
  • Be alerted to certain credit report changes which could indicate potential fraudulent activity