How James can help you

James Jones is Experian's Head of Consumer Affairs. In this popular advice column James answers a regular selection of your topical questions about credit reports, credit ratings and identity fraud. You can find the top questions, the latest questions and James’s answers below. You can also read previous Ask James answers in our five archives arranged below by subject, such as ‘Applying for credit’. And you can check out our comprehensive database of Credit Report Help Centre FAQs. If you have a specific question and can’t find an answer here please use the below form to submit a question. If you wish to contact Experian to query something on your credit report, please contact us.

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Twitter: @AskJames, @AskJohnWebb and @ExperianExperts

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Top questions

Did Experian refuse my credit application?

How can I build a better credit rating?

Will multiple mortgage offers hurt my credit score?

What should I do about missing electoral roll information?

How can I build a credit history in the UK?

Will ordering my credit report lower my score?

Do Experian credit reports now include rent information?


Latest questions

Will opting out of the open register affect my credit score?

Should a parking fine show on my credit report?

Is my credit report stopping my wife and mother opening accounts?

Should my default accounts show if I'm paying through a debt management company?

Will leaving the EU affect my ability to get a mortgage?

Can I access my 17 year old son’s credit report?

Will the status code U on my credit report damage my score?

Can changing bank accounts affect my credit score?

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Ask James a question

James cannot investigate specific queries about your credit report but he can answer more general questions about credit, credit reports, credit decisions and identity fraud. Before submitting your question, please check James has not already answered a similar question.