Get your Experian Credit Report & Score

Your credit rating reflects how likely you are to get credit.

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Get your Experian Credit Score

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Track your progress

tips

Tips on improving

factors

See impacting factors

Start your 30 day CreditExpert trial *

*A monthly fee of £14.99 applies after your free trial.
You may cancel during your 30 day free trial without charge.

How can CreditExpert help you?

If you're applying for credit, looking to improve your credit score, or worried about being a victim of fraud then we can help you.

experian credit report
Experian Credit Report

Your report details your personal credit history and public records you have had

experian credit score
Experian Credit Score

Unlimited access to your Experian Credit Score to see how lenders may view you

alerts
Alerts

We’ll alert you to certain changes to your credit report or if our web monitoring finds your personal information online

fraud protection
Fraud protection

You'll receive support from a dedicated caseworker if you are a victim of fraud

phone support
Phone Support

If you need guidance, or have any concerns about your report, contact our UK-based Experian experts

score factors
Score Factors

See the factors affecting your Experian Credit Score and what you can do to improve it

Start your 30 day CreditExpert trial *

*A monthly fee of £14.99 applies after your free trial.
You may cancel during your 30 day free trial without charge.

We've helped over 1.7 million people improve their Experian Credit Score.

See your Experian Credit Score

Score Dial

Sign up to CreditMatcher for free to get your updated score every 30 days and simple credit search matched to your credit information. No trials, no subscriptions, just free – forever.

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How we've helped our customers

  • customer
    Charlie

    I spiralled out of control with my finances 10 years ago, and encountered a CCJ, which has since been cleared and I am now nearly debt free. I'd spent so long being refused credit and being out of control with my finances that actually seeing it improve over time was emotional as I know I'm now closer to owning my own home because of that.

  • customer
    Jade

    CreditExpert helped me get my mortgage by matching me to a lender based on my personal financial situation. Since joining the service I am definitely in more control of my whole financial situation.

  • customer
    Phil

    CreditExpert sends me alerts when there have been changes in my credit report, which is great as I like to see exactly what's happening with my finances and ensure there's not been any fraudulent activity on my account. The important thing for me is monitoring my credit score and maintaining a good rating as I am looking to get a mortgage.

  • customer
    Mercedes

    CreditExpert helped me improve my finances by making me more aware of what lenders consider when making lending decisions. I am now more conscious about what I am doing with my money and available credit, and how I can better utilise what’s available to me.

What is a credit report?

When you apply for financial products, lenders will normally check your credit report and use the information, along with their own policies and information on your application, to assess whether you are likely to repay what you owe on time. This helps them decide whether to offer you the product and which terms to set, such as interest rates.

Other people may check your credit history too. Prospective landlords and employers may see elements of your report, so it can also affect your chances of renting a home and getting a job. Your report is also a helpful tool for you to use to keep track of your accounts in one place and watch out for fraudulent activity.

Start your 30 day trial *

*A monthly fee of £14.99 applies after your free trial.
You may cancel during your 30 day free trial without charge.

What is a credit score?

The Experian Credit Score runs from 0-999 and is an indication of how a lender would see you based on the information provided in your Experian Credit Report. The higher your score, the greater chance you have of getting the best credit deals.

There are many things that affect your score and once you’ve signed up you’ll receive personalised tips on how to manage and improve it. We’ll highlight any positive or negative factors affecting your score, so you can quickly and easily see what is helping and what might be holding you back.

We'll also give you tips to help you raise your score – from simple things like checking all your details are correct and registering to vote, to staying within your credit limits and making no more than two credit applications every 6 months.

Start your 30 day trial *

*A monthly fee of £14.99 applies after your free trial.
You may cancel during your 30 day free trial without charge.

Alerts

Receive alerts whenever there are certain changes to your Experian Credit Report, keeping you informed, up to date and giving you the ability to view any potential anomalies. With a wealth of information and online credit tools and a dedicated fraud resolution team you can have peace of mind that you are in safe hands.

We regularly monitor your credit report for certain changes which could be fraudulent activity - looking for things like new accounts, new applications for credit, and existing accounts falling into arrears. If we spot any of these changes we’ll send you a text or email alert to let you know.

Start your 30 day trial *

*A monthly fee of £14.99 applies after your free trial.
You may cancel during your 30 day free trial without charge.

Fraud protection

Once you’ve seen your Experian Credit Report, contact us and you’ll be assigned an individual case worker. When you tell them which accounts and applications are fraudulent – your caseworker will investigate and contact the companies and lenders on your behalf. You can contact your caseworker by phone and email throughout the journey, and they’ll update you when we receive replies from the companies involved.

Once it’s all resolved we’ll continue monitoring your report for up to 12 months (provided you're a CreditExpert member) for any changes or searches which we think might be fraudulent, even once your case is closed, and we’ll give further advice and support to help protect you in future. We can also add a password to your report for added protection - lenders can ask you for this to confirm that you’re you, before you take anything out on credit in future.

Start your 30 day trial *

*A monthly fee of £14.99 applies after your free trial.
You may cancel during your 30 day free trial without charge.

Phone support

Speak to one of our specialist team about your membership or your credit report in our award winning UK call centre.

Start your 30 day trial *

*A monthly fee of £14.99 applies after your free trial.
You may cancel during your 30 day free trial without charge.

Score factors

Credit scores change along with your circumstances. As a higher score is usually seen as lower risk, it pays to make sure you have the highest credit score possible.

We'll show you the factors affecting your Experian Credit Score, and we'll give you tips on how to improve it so that you can .

Start your 30 day trial *

*A monthly fee of £14.99 applies after your free trial.
You may cancel during your 30 day free trial without charge.