Content begins

Check your Credit Report

Review your Credit Report online

Get your free Credit Report online

Are you considering taking out a loan, credit card, mortgage or mobile phone? If so, you may want to know what your credit report contains. MoneyExpert has teamed up with Experian CreditExpert, the UK’s leading online credit monitoring service with award-winning customer services. Access your credit report using a 30 day trial of their CreditExpert service. (A monthly fee of £14.99 applies after trial period.).

Get your free credit report
Send money abroad for less with TransferWise

What is a credit report?

You may not know it but the chances are that you have a credit report. This is a personal history of your credit, including mortgages, credit cards and loans to catalogue accounts and even mobile phone contracts.

It provides a snapshot of credit accounts, your repayment record and how well you are coping. Lenders use it when they decide what kind of deal to offer you – or whether to turn you down.

You can see your credit report for free with CreditExpert.

The more you know about what your report contains, how it’s used and what you can do to improve it, the better your chances of getting the credit you need.

What is a credit score?

Responsible lenders want to know that you can comfortably afford to manage any new borrowing, so they calculate a credit score that helps them to assess the chances that you will be able to repay what you owe.

To do this, they take information from two main sources — your credit report and your credit application form. If you are an existing or past customer, they will also use their experience of how you’ve managed repayments in the past.

What does your credit score mean?

The higher your Experian Credit Score, the better your chances of getting good credit.

  • Very Poor: 0 to 560
  • Poor: 561 to 720
  • Fair: 721 to 880
  • Good: 881 to 960
  • Excellent: 961 to 1000

How well will you score?

You can get an idea of how you might get on by taking a free trial of CreditExpert, where you’ll find lots of advice and tips on improving your credit rating. You can also order your Experian Credit Score for just £14.99. It won’t be identical to a score calculated by a lender, because it’s based only on your Experian credit report but it will give you some insight into the impact your credit history might have when lenders score you.

Credit Cards News

  • 14 Apr 2015

    Capital One Reduces Cashback Reward Scheme

    Capital One have announced their decision to slash the reward scheme they offer on their products. They say it is a response to the decision by the European Parliament to implement a cap on “interchange fees”.

  • 9 Apr 2015

    Halifax Introduces 16 month Fee-Free Credit Card

    Halifax have introduced a competitive fee-free credit card on to the market, giving cardholders the ability to pay off their debt for free for up to sixteen months.

  • 17 Feb 2015

    How well do you really know your partner?

    Honesty is everything in matters of the heart - find out if you're heading for romantic riches or relationship bankruptcy.

  • 5 Jan 2015

    Best Balance Transfer deals around to soothe your Seasonal Debts!

    The New Year is upon us and alongside the bags of goodwill, sacks of presents and boxes of leftover mince pies that remain, for many people there is also a sizeable amount of debt that dauntingly looms over as they trudge back to work their next pay check all too far away.

View full news section

Simply Switch

© 2015

MoneyExpert Limited Registered in England. Registered Number 04765843. Registered Office: MoneyExpert Limited, Craven House, Station Approach, Godalming, Surrey, GU7 1EX. Consumer Credit Licence Number 662105. Data Protection Licence Number Z8204138. MoneyExpert Limited is an appointed representative of MoneyExpert Insurance Services Limited which is authorised and regulated by The Financial Conduct Authority FRN 557120.

Terms & Conditions Privacy Policy Cookies Site Map Complaint Handling