Print This FAQ Page

 FAQ Top Ten

You are here:  FAQ Home > Top Ten


How do I apply for a copy of my credit report?
return to top

You can apply for a copy of your credit report via our website. The statutory fee is £2, payable by debit/credit card, or you can sign up for CreditExpert, our credit monitoring service, which costs £5.99 a month and there is a free 30-day trial. CreditExpert gives its members unlimited access to credit reports and also alerts them by e-mail or SMS text to significant changes to the information held about them.

There are other ways to order your report. Whether you order your report online, by telephone, or in writing, you have the option of a single report (£2), four quarterly reports (£8), or twelve monthly reports (£20).

All report applications are subject to identity verification.

We advise you to also contact the other two UK credit reference agencies for a copy of the information they hold, as it is not necessarily the same. Click here for contact information for other credit reference agencies. 541


Can I view my credit report online?
return to top

Yes you can, by visiting CreditExpert.co.uk and signing up for a credit monitoring service from Experian. CreditExpert gives its members unlimited online access to their credit reports and also alerts them by e-mail or SMS text to any significant change to the information held about them. CreditExpert membership is £5.99 a month and there is a 30-day free trial available. Click here to visit CreditExpert. 557


Am I on a blacklist?
return to top

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. 474


How can I contact Experian by telephone?
return to top

For queries about the information on your credit report you can phone us on 0870 241 6212.

Our lines are open Monday to Friday, 8 AM to 6 PM, and Saturday, 9 AM to 1 PM. You may want to avoid the busiest calling times, which are weekdays between 10 and 11 AM, and between Noon and 2 PM. 912


How can I improve my chances of getting credit?
return to top

Avoid credit repair companies!
Any changes that need to be made can be made following the receipt of your credit report. This can be obtained from any of the credit reference agencies (Equifax, Callcredit, and Experian) for the £2 statutory fee. Credit repair companies usually charge a lot more and cannot even make sure that changes are made to your credit report. If you do not already have a copy of your Experian credit report you can click here for information about ordering it.

Always check your credit report
It always makes sense to obtain a copy of your credit report either before you make an application or if you are declined credit as a result of the information held by a credit reference agency. Your report includes all the information that any company you apply to may see and should help you establish why your application to them was declined. It does not state why you have been declined, however—only the company you applied to knows this.

Do not make repeated applications for credit once you have been declined.Each application you make is likely to result in a search of your credit report. These searches are registered for 12 months and could affect future applications. Establish why your application was declined before making further applications.

Only make complete and correct credit applications
Lenders want to see your full credit history to help them make a decision, so it is important to provide your full address details. They also require your application form to be completed accurately. Inaccuracies or omissions may affect your ability to obtain credit.

Make sure any county court judgment (CCJ) information on your report is correct
An outstanding judgment against you on your credit report will lower the likelihood that you'll be granted additional credit or loans. Make sure that if you paid a CCJ your report reflects this. If you paid a judgment within one month then it should not appear on your report at all. Click here for complete information about CCJs, including how to correct or remove them from your report.

Make sure the electoral roll information on your report is up to date
Lenders use electoral roll information to confirm your address. Once you receive a copy of your credit report check the electoral roll information on it. If your name is not shown and you have registered with your Local Authority you should contact Experian directly so we can investigate and amend the records accordingly. However, if you have recently moved contact your Local Authority to register immediately. Credit reference agencies will amend the details once you or the relevant Local Authority notifies them. Click here for information about the electoral roll, including how to get on it.

Obtain regular credit reports
It is valuable to monitor the information held by credit reference agencies and to make sure that it shows what you believe to be an up-to-date and accurate reflection of your credit history. You can visit CreditExpert.co.uk and sign up for a credit monitoring service from Experian. CreditExpert gives its members unlimited online access to their credit reports and also alerts them by e-mail or SMS text to significant changes to the information held about them. CreditExpert membership is £5.99 a month and there is a free 30-day trial is available. Click here to visit CreditExpert.

General guidelines

543


Can I get other people's financial information removed from my credit report?
return to top

If you are not financially connected to other people shown on your report you can ask us to remove their information from your report. This is called a financial disassociation. We cannot do this if you still live at the same address and share a financial link e.g. joint account. If your credit report shows a financial connection that is no longer correct, you can ask us to remove it in the following ways.

Please always provide us with your full name and the full name of the person you want to be disassociated from, plus dates of birth, your relationship to that person, and any addresses you have shared.

We advise you to also contact the other two UK credit reference agencies for a copy of the information they hold, as it is not necessarily the same. Click here for contact information for other credit reference agencies. 518


What can I do if I believe the credit account information is wrong?
return to top

You should contact the lender concerned (contact addresses should appear at the end of your report). Once a lender has investigated your comments they will notify us of any required changes. We will then make the necessary changes to your credit report. If you contact us we will contact the company on your behalf and make any necessary amendments when they reply.

If the information is incorrect because you only recently paid an account, please bear in mind that it can take up to a month for lenders to amend their records and, in turn, your credit report.

If you think an account needs further explanation, you have the right to add an explanatory statement, called a Notice of Correction, to your report. This is seen by any company searching your report in the future, as well as anyone searching over the past six months, and may help when apply for credit in the future. Click here for information about adding a Notice of Correction to your report. 515


How do I add a Notice of Correction to my credit report?
return to top

A notice of correction is a short (200 words max) explanatory note you can add to your credit report explaining any circumstances about information in the report. Anyone searching your report in the future or who has seen in it in the previous six months will see the notice of correction, and it may influence their decision.

You can use the “Any Questions” tab to submit the text for the notice of correction. Alternatively, you can post the text to us at the following address.

Experian Ltd
PO Box 9000
Nottingham NG80 7WP

We drafted the following examples to help you compose your notice. (Click a link to view the text.)

NOC Examples
Electoral roll
Judgment information
Credit account information

We'll make the necessary changes to your report. Any statement we believe to be defamatory, libellous, incorrect, or frivolous may be referred to the Information Commissioner for arbitration.

We also recommend you use the addresses below to inform Equifax and Call Credit (the other two credit reference agencies) of the circumstances you want to explain, as the information we hold is not necessarily the same.

EQUIFAX PLC
Credit File Advice Centre
PO Box 1140
Bradford BD1 5US

CALL CREDIT PLC
Consumer Services Team
PO Box 491
LEEDS LS3 1WZ 1001


Does shopping around for the best credit deal leave a lot of searches on my credit report?
return to top

Shopping around for the best credit deal should not generate an abnormal number of 'credit searches' on your credit report. This is because a credit search should only be conducted in response to an actual application for credit. When shopping around, people usually obtain basic details of offers from a range of lenders, then make an application to those considered to be the best deal.

Asking for a quotation should not affect your chances of getting credit in the future because, for most types of credit, lenders do not have to search your credit report to give you a quotation. But if the cost of the credit deal does depends on your credit score, the lender may need to search your credit report. In such cases, the lender should make a 'quotation search' and not a credit search. Lenders searching your report in the future will know that quotation searches do not reflect actual credit applications.

The lender should always tell you if they are going to search your credit report and what sort of search they will make. Making several applications for credit over a short period of time can influence a lender's decision. As a result, if you have been refused credit, it is always best to find out why before you apply to other lenders. 495


Why aren't the other people at my address shown on the electoral roll?
return to top

Your credit report only shows information about you. If other people are recorded on the electoral roll at your address, we will hold this information and lenders will be able to see this if it is relevant to a credit application they receive. 539