Get your FREE Experian credit report and score!*
- Free Experian credit report*
- Free Experian Credit Score*
- Free email and text alerts
- Identity Fraud Expenses Insurance**
- 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.
** As part of your CreditExpert membership, we provide Identity Fraud Expenses Insurance.
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.
How do I update my credit report now my DMP has ended?
I have just completed my debt management plan with Payplan and am now debt free. How do I make sure that this is reflected in my credit reports from companies such as you?
Congratulations on completing your debt management plan (DMP). While we don’t keep standalone entries on DMPs on credit reports, you’re likely to find many of the debts that were included in your DMP are listed separately. So your first task is to get hold of a copy of your credit report from each of the three credit reference agencies. Then check your past credit agreements to make sure that the ones that have been cleared by your DMP have been updated as either settled (non-defaults) or satisfied (defaults). Closed credit history records stay on your credit report for six years. For defaults this is six years from the default date, for non-defaults it’s six years from the settlement date. Assuming you’re going to have to put up with some adverse credit data on your report for a while longer, you might consider adding a notice of correction to your credit report, which is a statement of up to 200 words. In this you could stress that you took responsible action to clear your past debts through a DMP and, if it would help, you could also explain why you got into difficulties in the first place. If you want to see how your credit history shapes up at any stage, the Experian Credit Score gives your credit report a rating on a scale of 0-999, based on the work we do helping lenders build their scoring systems. Good luck.