No, there is no such thing as a blacklist. We only hold factual information about people. This is taken from the public records or is provided by lenders. We do not offer opinions about your creditworthiness (that is, whether you are likely to repay credit).
Lending companies make their lending decisions based on information held by credit reference agencies, additional information you may have provided during your application, and their own internal processes.
Our information shows that most people are good payers and make repayments on time.
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Our information comes from two sources—lenders and public records. The information only relates to making sure a customer could repay any credit they are applying for. 478
Your credit report may include public record information (e.g., the electoral roll) obtained from Local Authorities and details of court judgments, bankruptcies and voluntary arrangements. It may also include financial and credit account information which is supplied from lending companies such as banks, building societies, and other financial institutions. 540
Major lending companies have agreed to share details of their customers' credit agreements with each other. To enable them to do this, they store details of their agreements with one or more credit reference agencies. This allows them to check how a person has repaid other lenders in the recent past and gives them an indication of whether applicants can afford to repay or take on new credit agreements.
To see what information is held by the credit reference agencies you need to contact them directly and order a copy of your credit report.
Click here for information about ordering your personal credit report.
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Yes. Because we are a totally separate company to Equifax and Callcredit, some of the information we hold is different to them. You may want to contact the other two UK Credit Reference Agencies for a copy of the information they hold. Click here for the other credit reference agencies’ contact details. 910
There are some misconceptions about the type of information that Experian include on a credit report. The following are NOT part of your credit report:
No. In fact, we have a legal right to hold information about people. Credit reference agencies (Experian, Equifax, and Callcredit) help lenders quickly process credit applications. If we did not hold such information then it would be much harder for you to obtain credit. A good credit record makes it easier for you to get credit. 480
We can only provide you with a credit report based on addresses you have lived at in the UK. If you live in Ireland, or have done so in the last six years, please let us know. We will then help you apply for a credit report from Experian in Ireland. 567
It is our priority to make sure the information we obtain is held securely. All the data we hold is processed in strict accordance with the Data Protection Act 1998. We screen our employees carefully and our premises are very secure. We constantly review how we can protect our information databases and our reputation for maintaining privacy. 786
