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
  • 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.

Will multiple mortgage offers hurt my credit score?

 

Dear James,

 

At what point is a "footprint" left on my credit report when enquiring about mortgages? Can I get multiple options from different companies in order to calculate the best mortgage without affecting my credit rating?

            

 

Martine, Gloucester

 

Dear Martine,

This is an area where you definitely need to be very clear on the question you ask any prospective mortgage lender. If it’s “if I apply for a mortgage what rate am I likely to get?” then you are merely requesting a credit quotation and, if they need to check your credit report to provide this, the footprint this leaves behind won’t affect credit scoring. If, however, the question is “will you lend me this amount of money?” then that is usually treated as an application – even if it’s only described as a decision in principle – and you should expect this to leave a credit-application footprint on your report, which can be used to help work out your credit score. You can find more information about different search footprints in our fact sheet Your credit report and previous searches, including how credit-application footprints actually affect credit scores. You should certainly try to limit these.

James Sign

  • © 2014 Experian. All rights reserved