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.

If I return to the US will I have to build a new credit history?

 

Dear James,

 

After 20 years in the UK I'm thinking about moving back to the US.  Will I be able to get an up-to-date credit score there or will I have to build up a credit rating from scratch?

 

Kevin, Stafford

 

 

Dear Kevin,

I’m afraid it’s not particularly good news. While you may have an excellent credit history in the UK, this cannot be transferred to the US if and when you move back there. Not by the credit reference agencies anyway. But what you can do is obtain a copy of your credit report from us before you leave and take it with you to the States. You can then offer to provide it to any lender you approach for credit in the US, to help you re-establish your credentials there. You should also engage with my US colleagues to see whether they can offer you advice to help fast-track the rebuilding of your US credit history. The Ask Experian column would be a good place to start, as well as ordering a copy of your US credit report. You can currently obtain a free UK credit report and Experian Credit Score via the CreditExpert free trial, so you could take advantage of that if you haven’t done so already. Good luck!

 

James Sign

  • © 2014 Experian. All rights reserved