Experian Credit Check

An Experian Credit Check allows you to view your current financial credit report, giving you the chance to make better-informed decisions when applying for credit as well as extra security against identity fraud.

Your credit report details your personal financial history, with information about money you have borrowed, applications you have made, your repayment reliability and also if you have any outstanding court judgements against you. It also lists your current address (based on the electoral role) – this is important information that lenders use to help check that you are who you say you are and live where you say you live. They also look for stability – that you’ve lived at the same address for some years. If you fail to register to vote, they cannot verify your identity and may ask for additional identification, suspect a fraud, or even turn you down flat.

When you apply for a loan, credit card or mortgage, lenders use your report, along with the information you give on your application, to decide:

  • whether or not to lend you money
  • how much to lend you, based on how much they think you can afford to pay back
  • the interest rate for your repayments

If you have been unsuccessful in an application for a loan,  credit card or mortgage, it could be due to your credit report, and if you are unsure as to why use may have been refused, it is advisable to do an Experian credit check to find out. It may well be that the information on your report is out of date or inaccurate, and that this is why you are struggling to get credit. With an Experian credit Check, you can manage your own report, and Experian will help you challenge anything you believe to be inaccurate.

Apply online now for an Experian credit check by clicking on the links and view the personal financial information that lenders are currently basing their credit decisions on.

Credit Report Providers
ProviderChargesCredit MonitoringIdentity AlertsFeaturesMore Info
£19.95
pm
yesyesFREE 7 Day Trial. Note that you can cancel your subscription without any charge by calling UK Credit Ratings before the end of the Free 7 Day Trial period.More Info >

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.