QUESTIONS AND ANSWERS

Get your FREE Experian credit report and score!*

CreditExpert Logo

  • Free Experian credit report*
  • Free Experian Credit Score*
  • Free email and text alerts
  • Dedicated UK based call centre

Checking your Experian credit report will not lower your score!

If you are a Credit Expert customer you can contact the customer services team with any questions specific to your credit report.

Please log in to your account and go to the contact us page to contact the member support team.

* Monthly fee applies after trial, new customers only. You may cancel your trial anytime during the 30-day trial period without charge. Free trial period starts on registration – further ID verification may be required to access the full service which may take up to 5 days.

Explore our Help Centre

Our credit report centre is full of information on what 's in your credit report and how to improve your credit rating.

Find out how to protect yourself from identity fraud and what to do if you're a victim.

Will credit card refusal affect my credit rating?

Dear James,

I received a letter today informing me my application for a credit card was declined and was wondering if this will go against my credit history in the future? I'm concerned as I am looking into gaining a mortgage, which I have already been accepted for, and thought this may now go against that. Many thanks.

Paul, Alexandria

 

Dear Paul,

I assume you sent your query in while on holiday and someone opened the letter for you! Well I hope you had a lovely time, in spite of the credit refusal. Don’t worry about the refusal affecting your credit rating. While your credit report will show that you applied for a credit card (a credit-application footprint will appear on your report for one year), it will not show the outcome of that application. What you must do though is take the opportunity to review your credit report and investigate the credit refusal with the card company. While lenders are understandably wary of revealing too much about their decision-making processes, they should be able to tell you the main reason far saying no – certainly whether the information on your credit report played a significant part. Then you can take any opportunities to improve things before you finalise your mortgage. If you access your Experian credit report using the CreditExpert free trial you’ll also get your Experian Credit Score. This will not only give you an excellent summary of your current credit history, but will also give you guidance on the things you might be able to do to build a better credit history to help you in the future.

 

James Sign

  • © 2014 Experian. All rights reserved