Knowing your credit rating will help you when applying for loans, bank accounts, cards or even mobile phones. Check your Experian Credit Report and Score for free for 30 days with Experian, courtesy of Money Expert.
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Experian have helped over 10 million people take the first step in understanding their finances. Take the first step to understand and improve your Experian Credit Report and Score.
Get access to your Experian Credit Report and Score during the 30 day free trial. You can cancel during your trial without charge.
What is a credit report?
It details your personal credit information, for example how you are managing credit cards, mortgages, loans catalogue accounts and mobile phone contracts. It also includes a history of how you have managed accounts in the past 6 years.
Lenders use information from your credit report when they decide what kind of deal to offer you – or whether to turn you down.
CreditExpert monitors your Experian Credit Report and alerts you to certain changes which may indicate potential fraudulent activity.
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 could be of getting the credit you need. You can view your Experian Credit Report as often as you like.
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 likelihood that you will be able to repay what you owe.
To do this, they take all relevant information including things like your credit report and your application form. If you are an existing or past customer, they will also use their experience of how you’ve managed repayments with them in the past.
What does your credit score mean?
The Experian Credit Score runs from 0-999 and is an indication of how a lender may see you based on the information in your Credit Report. The higher your score, the greater chance you have of getting the best credit deals.
- Very Poor: 0 to 560
- Poor: 561 to 720
- Fair: 721 to 880
- Good: 881 to 960
- Excellent: 961 to 999
How well will you score?
You can get your Experian Credit Score and Report by taking a free trial of CreditExpert, where you can find out how you can manage and improve your Credit Score which could increase your chances of being offered great credit deals.
Alternative: One Off £2 Statutory Credit Report
The Experian statutory credit report contains a snapshot of your credit information. It contains public and private information recorded in your name which is available to authorised lenders that carry out a credit check through Experian. The information in your £2 Statutory Credit Report is the same information that is shown on your Experian Credit Report available as part of Experian CreditExpert.
Free Trial Terms & Conditions
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- A monthly fee of £14.99 applies after the 30 day period.
- You may cancel your membership at any point during the free trial free of charge
- Free trial period starts on registration, further ID verification may be required to access full service. This may take up to 5 days.