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.
Can you help resolve credit rating catch-22?
How can you be a good borrower when you can’t get credit in the first place with bad credit rating? Confused!
I understand your confusion. It can sometimes be a challenge getting credit with a poor credit rating, whether this is because you have little credit history or a damaged one. When they carry out a credit check, what lenders are looking for is confirmation of your name and address, evidence you can be trusted to manage credit responsibly based on your borrowing track record and confirmation that you can afford to take on more borrowing. So, if you’re building a credit history from scratch, it’s important to register on the electoral roll and then look for opportunities to demonstrate your creditworthiness. Getting a bank account is a good start as most banks now share information about how customers manage their current accounts. If you stay within your agreed overdraft limit and avoid having cheques bounce and direct debits refused this will help you build you some positive information on your credit history. To help bolster this information, there are a range of credit cards aimed at people with less-than-perfect credit ratings. These can certainly help you repair a damaged credit history too. Obtaining and using one of those sensibly should strengthen your credit history still further. And though these will typically charge higher rates of interest than more regular cards, if you repay any borrowing each month in full, you’ll avoid any interest payments. As most organisations that provide money, goods or services via credit facilities are sharing payment information through credit reference agencies like Experian, even setting up utility accounts or getting a contract mobile phone can help you further boost your credit record. Once you have built up a body of evidence that you’re a trustworthy borrower, you should find that doors open to a much wider selection of credit products. So there are certainly plenty of opportunities to build a great credit history – you just have to be a little canny about how you approach the task. If your credit rating is poor due to past bad debts, make sure these are repaid and your report is updated to show this, Their influence on your credit rating is likely to dwindle over time and, if you play your cards right, will be quickly overshadowed by more recent positive information. You can use the Experian Credit Score to track your progress, whether you’re building a new credit history or repairing a poor one. (November 2013)