When trying to get credit – for a loan, credit card or mortgage – you can seek advice from an Experian credit expert. Experian is the UK's largest credit reference agency, and can provide free credit check reports so that you can see what lenders see when making a decision about whether or not to give you credit.
Get your Experian credit check
Your credit report details your financial history, based on:
- money you have borrowed
- how reliable your repayments are and any that have been missed
- applications you have made for financial products
- outstanding loans and debts
- court judgements against you
Lenders use this information to decide whether or not to lend you money, and then, how much to lend you and at what rate. Your credit report also hold details about where you are registered to vote. This is useful to lenders because it means they can check you are who you say you are and live where you say you live. It is also useful in the fight against identity fraud, because each time a loan application is made in your name; it appears on your credit report. So if there is an application on the report that is nothing to do with you, you stop a potential identity fraud from happening.
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 It may well be that the information on your report is out of date or inaccurate, and that this is why you are struggling to get credit.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.
Click on one of the links to apply online now for an Experian credit check and view the personal financial information that lenders are currently basing their credit decisions on.