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Experian Credit Report – Get your Experian report

Learn about credit ratings and Experian Credit Report with our guide to how to get your hands on your Experian report.

If you are looking to borrow money from a bank or financial provider the chances are you will have been asked whether they could check your credit file, and if they did there’s a good chance they requested your Experian Credit Report.

But just what is an Experian credit report, or an Experian credit score, and how can you get a free credit report and check for yourself?

What is my Experian credit report?

Whenever you use a service and pay later, or loan money on a credit card for instance and pay it back later, you are leaving a digital footprint of your spending habits.

That footprint is stored, along with other personal details like your address, whether you’re on the electoral roll, and any outstanding debts, by credit reference agencies to create a financial profile.

If you clear your credit card debt each month, or always pay your mortgage on time for instance, that tells future lenders that they can lend money to you and be paid in return.

If you always pay your mortgage but don’t always clear your credit card balance it tells them they can lend to you and make money by charging interest.

Therefore, before any lender will offer you a line of credit, even for something as simple as a mobile phone contract, they will request your credit score from one or more of the three credit reference agencies.

Your Experian credit report, or Experian credit score is the largest and most widely recognised of the three credit reference agencies. The other two are Equifax and Call Credit.

Just to make things complicated different credit agencies cover different businesses in their reporting, so to get a complete profile of your credit file you need to look at all three. When you apply for credit some providers will look at all three, some will look at one or two, but almost all will look at Experian.

It is therefore important that you check you Experian credit report before applying for credit.

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30 day free trial
£14.99 a month
Freephone UK call-centre
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30 day free trial
£7.99 a month
Three credit agency checks
Debt advice centre
Identity theft protection
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£19.99 One off credit report check
No monthly subscription
Proceed
30 day free trial
£7.99 a month
Unlimited credit report access
Alerts and tools
Support to improve credit rating
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7 day free trial
£14.99 per month
Daily web monitoring
Instant identity notifications
Unlimited credit report access
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30 day free trial
£14.95 a month
Weekly alerts
Customer support team
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Why should I check my Experian credit report?

Your Experian credit score provides your financial history to potential lenders, so its vital to check the information found on it is correct. Any mistakes on your Experian credit report can be corrected, potentially saving you a lot of trouble in future.

Common mistakes include incorrect addresses, contracts or accounts that haven’t been closed, a former spouse’s details appearing on your report, and mistaken information as a result of fraud.

If for instance you have an old mobile phone contract that you stopped using, but never closed, it will still appear on your credit file. Likewise, if you have a joint account and then go through a divorce, your former spouse’s financial history could continue to impact your Experian credit report unless you do something about it.

Experian credit report

How do I check my Experian credit report?

Checking your credit report can be done in a number of different ways, each of which may be suitable for you depending on your situation.

The easiest is to pay £2 for your statutory credit report. This is not the same as the ‘free credit report’ you will see advertised, but may be better value if you just want to make sure your details are correct before applying for credit.

A free credit report meanwhile is an introductory offer. You will get your free credit report but, unless you cancel, you will be probably be enrolled in a monthly paid report thereafter.

While paying for your monthly Experian credit report is not a bad idea, it may well be costly over the long term, so make sure you set a reminder after a few months and cancel if you no longer need it.

You should also make sure you get your credit report from all three agencies, even though Experian has the widest coverage. If you do this you should certainly avoid getting a ‘free credit report’ from all three and ending up with three contracts.

How can I correct errors on my credit report?

If you find a mistake on your Experian credit report it is possible to correct, but unfortunately the process isn’t as easy as it could be.

Your first port of call should be the other credit reference agencies. If you find a mistake on one report check the information on the other two – if you find it there as well you can save yourself a bit of leg work when it comes to fixing it.

Next you need to contact the lender in question. So, if for instance you used to be with Lloyds and have switched banks, but your Experian credit report shows you in debt to Lloyds, you must first write to Lloyds asking them to correct the mistake.

This is where things get complicated. Sometimes your lender will make the change but sometimes the won’t. If they don’t you have to write to each of the three credit reference agencies asking them to add a ‘notice of correction’.

While this doesn’t amend the information on your file, it will show lenders looking at your report in future that you are disputing some of the reporting, which they may take into consideration.

Exactly what information appears on my Experian credit report?

Your Experian credit score will show your financial accounts, including a history of any bank accounts you have, any credit or store cards you own, and any outstanding debts on those cards, as well as your payment history.

It will also show any contracts you have, including energy or mobile phone contracts.

Your report will also show your electoral roll information, any court records including county court judgements and bankruptcy information, and any fraud information.

Your report will also show your search history, so which lenders have looked at your file when you’ve applied for credit elsewhere.

Your Experian credit file will not show any council tax information, driving penalties, salary, savings accounts, or medical history.

CompanyPriceOther information Apply
30 day free trial
£14.99 a month
Freephone UK call-centre
Email & SMS alerts
Proceed
30 day free trial
£7.99 a month
Three credit agency checks
Debt advice centre
Identity theft protection
Proceed
£19.99 One off credit report check
No monthly subscription
Proceed
30 day free trial
£7.99 a month
Unlimited credit report access
Alerts and tools
Support to improve credit rating
Proceed
7 day free trial
£14.99 per month
Daily web monitoring
Instant identity notifications
Unlimited credit report access
Proceed
30 day free trial
£14.95 a month
Weekly alerts
Customer support team
Proceed

Read more…

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• Get the right credit card for your credit rating – Find out which card is the right match for you