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Lenders use credit scores when assessing your suitability for credit, and there are things you can do to influence this.

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The higher your score, the easier you will find it to get credit and find the best deals and lowest interest rates.

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Access to the Victims of Fraud Team

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See a sample CreditExpert report.

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Sample Credit Report from CreditExpert

Use the links on the bottom to navigate the sections of this sample report. Click on the highlighted numbers in the sample report below to get more information.

Profile

These are the details you provide us with when you become a CreditExpert member. We use this information to produce your report.

  1. Profile information

    When you join CreditExpert, you give us basic information that lets us identify you and find our credit report when you ask for it. If any of your details change, you can let us know by editing your profile.

    Is your profile up to date?

    Check your Credit Report now

  2. Useful addresses

    This section lists all the organisations that have contributed information to your credit report. It's a central source of contact details for you if you want to query anything or find out more.

    Do you want to contact anyone?

    Check your Credit Report now

Electoral roll

This section shows the dates that your name was registered on the electoral roll and the addresses you were recorded at.

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  1. How lenders use the electoral roll

    Lenders check whether you are registered to vote at your current address as a precaution against fraud. If they don't find you or you're registered at a different address, they may ask for further proof of identity or even turn you down.

    Are you on the electoral roll at your current address?

    Check your Credit Report now

Aliases

Aliases are created when lenders tell us of other names you have been known by or when you tell us of other names you have used.

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  1. Your other names

    Many people change their names when they marry or divorce. Others simply don't like the name they were born with or are given a title. This section lists your current and previous names here - your aliases - and allows you to find out who notified the name change.

    Are all your names recorded correctly?

    Check your Credit Report now

Financial assocation

Financial associations show details of anyone you are financially connected to. Financial connections are created by joint accounts, joint applications, joint court judgments or from information you give to us

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  1. Financial associations

    When you take out a joint credit account, such as a joint credit card, you create a financial link with the other applicant, who is then listed in your credit report as a financial associate. Lenders may check the credit report of financial associates when you apply, because their financial circumstances could affect your ability to repay.

    Is the list of your financial associates up to date?

    Check your Credit Report now

Public records

This section of your credit report contains details about court judgments, bankruptcies and individual voluntary arrangements.

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  1. Public records

    Your credit report contains information held on public records, such as court judgments for non-payment of debts, any bankruptcies or individual voluntary arrangements (IVAs).

    Is the information taken from public records correct?

    Check your Credit Report now

  2. Bankruptcy, IVAs and court judgments

    Records of court judgments and IVAs are held on your credit report for six years and bankruptcies are there for at least the same length of time. Debts repaid within a month of a court judgment can be marked as Satisfied.

    Are details of court judgments, IVAs and bankruptcies up to date?

    Check your Credit Report now

Account information

Credit account information shows details of your credit agreement with lenders.

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  1. Account information

    The term "credit" covers every account that gives you something of value - money, goods or services - that you can use today, on the understanding that you will repay the lender at a later date. That's why you'll find items such as utility and mobile phone accounts here, as well as credit cards, loans and mortgages.

    Are all your accounts listed on your credit report?

    Check your Credit Report now

  2. Personal information

    Every account in your name will affect your credit rating - even if a criminal is impersonating you to borrow money. If you find any accounts you don't recognise, you could be a victim of ID fraud.

    Did you set up all the accounts in your name?

    Check your Credit Report now

  3. Account type

    From catalogue shopping to a loan for furniture, you probably have many different types of credit account.

    Do you know how many credit accounts you've taken out?

    Check your Credit Report now

  4. Balance information

    This entry shows the current balance of each account - the amount you have spent and not yet repaid. You'll also find the date the account was opened.

    Are your balances recorded correctly?

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  5. Defaulted payments

    Look out for an 8 when checking the account status. It means that a lender has terminated the account because you haven't made payments and have failed to come up with a way of putting things right. A defaulted account stays on your credit report for six years and will lower your credit rating.

    Have you defaulted on your repayments?

    Check your Credit Report now

  6. Status history

    Are you making your repayments on time and in full? Your status history shows whether you do. You'll find a key that explains the symbols at the end of this section.

    Are your repayments up to date?

    Check your Credit Report now

Repossession information

Members of the Council of Mortgage Lenders record information on customers who have given up their homes or had them repossessed.

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  1. Council of Mortgage Lenders (CML)

    If you've ever been unfortunate enough to have your home repossessed, information on the possession order will be found here.

    Want to check repossession information?

    Check your Credit Report now

Linked Addresses

Previous searches show the names of organisations that have seen some or all of the information recorded on your credit report within the past 12 months

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  1. Linked addresses

    If you've moved in the last few years or have applied for credit from an address other than your usual one - for example, a holiday home - those addresses appear here.

    Are your address details up to date?

    Check your Credit Report now

  2. Correct addresses

    If even the post code on one of your addresses is wrong, it could affect your credit rating because lenders could worry that your are lying to them and don't mean to honour your debt.

    Are your addresses correct?

    Check your Credit Report now

CIFAS

CIFAS, the UK's Fraud Prevention Service, aims to detect and prevent fraud and to protect innocent people whose names, addresses or other details are used fraudulently by others to get goods and services.

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  1. CIFAS registration

    Being on the CIFAS register doesn't mean you've done anything wrong. It's designed to protect you from fraudsters and warns lenders that a criminal has previously tried - perhaps successfully - to use your identity to borrow money.

    Are you on the CIFAS register?

    Check your Credit Report now

GAIN

GAIN, the Gone Away Information Network, shows where an individual owes money and has moved without giving the lender a forwarding address.

  1. GAIN information

    If you move without telling a lender and are at least 30 days behind with your repayments, your last known address will appear here. Often there is an innocent explanation and the situation can be put right.

    Have you forgotten to tell lenders you've moved?

    Check your Credit Report now
« | » Get your Free Credit Report now

Free Credit Report with a 30 day free trial from Credit Expert

*Monthly fee applies after free trial, new customers only. Free trial period starts on registration – further ID verification may be required to access full service which may take up to 5 days

CreditExpert is the online credit monitoring and identity fraud protection service from Experian, the credit reference agency.

Lenders may view your credit report when they decide whether to give you a loan, mortgage or credit card. You should check it regularly to ensure it is up to date and reflects your credit track record accurately, so you can make better-informed decisions when you apply for credit and are more likely to get the deals you want.

How CreditExpert works

You should know as much about yourself as any financial institution does. CreditExpert shows you what a lender sees. Every time you apply for credit or a loan, that request is recorded. Multiple requests on your credit history can look as if you are over-extending yourself or a fraud is being committed. If you are looking for a good credit deal or mortgage, CreditExpert allows you to check your report to ensure that it accurately reflects your position. CreditExpert allows you to check your credit report online and as often as you want‚ Read more

CreditExpert helps you to challenge anything with which you disagree; helping you to manage your credit rating. You also have the option to order your Experian credit score. This information will give you further guidance and an indication of how your Experian credit check may influence a lending decision.

CreditExpert also saves you time and trouble if you become a victim of ID fraud. A recent report from CIFAS has found that, on average, it takes victims more than 15 months to discover their identity has been stolen and over 300 hours to clear their name. CreditExpert's weekly alerts mean that you quickly learn about any changes to your Experian credit report. Experian's Victims of Fraud team will help you to resolve any problems.

Source: TNS Research, Brand Health Study, August/September 2011 (base a representative sample of 2,000 UK adults)

*Identity Protection Insurance

As part of your CreditExpert membership, we provide Identity Protection Insurance, provided by Arc, underwritten by Inter Partner Assistance S.A., which covers you for:
Reasonable costs incurred relating to the sending of correspondence and telephone calls as a result of identity fraud. Reasonable lost earnings incurred of up to £500 per week for a maximum period of six weeks as a result of identity fraud. Up to £200 for the costs of replacing your passport or driving licence should you have a reasonable requirement to replace either of them as a result of identity fraud. Repeat charges incurred when reapplying for credit for which a previous application was declined as a result of identity fraud. You will have access to the Victims of Fraud Team who will help you should you become a victim of identity fraud. Find out more about the Identity Protection Insurance

Copyright © 2011 Experian Ltd, Landmark House, Experian Way, NG2 Business Park, Nottingham NG80 1ZZ, United Kingdom.
Registration No. England 653331. All Rights Reserved.
CreditExpert is provided by Experian Ltd.
Experian Ltd is an Appointed Representative of Motorfile Ltd. Motorfile Ltd, Landmark House, Experian Way, NG2 Business Park, Nottingham, Nottinghamshire, NG80 1ZZ is authorised and regulated by the Financial Services Authority. Identity Protection Insurance is provided by Motorfile Ltd as agent for Arc Legal Assistance Limited and is underwritten by Inter Partner Assistance S.A.