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Experian Credit Search

What's your credit history?

When deciding whether or not to lend you money, banks, building societies and loan companies check your credit report. Your credit report carries information about your personal financial history - money you have borrowed, a record of your repayments including any you may have missed, a list of loan, mortgage and credit card applications or any other financial product you have applied for,. Successfully or unsuccessfully, and also details about any court judgements outstanding against you.

To get ahead of the game, you can do an Experian credit search and find out exactly what is on your credit report before potential lenders do, giving you a much better understanding of your own history and therefore a better chance of getting the deal you want. With an Experian credit search, you can check your details, and see exactly what lenders are seeing to base their decisions on. You may be able to see why you have been refused credit in the past - if the data is incorrect or unfair, Experian will help you challenge it, or put explanatory notes with any circumstances that need justification i.e. if you missed a payment due to illness, but it has never happened before or since. If it is true, but you think you can do something about it, and Experian credit search can help – you could make sure you pay off any outstanding debts that may be holding you back, or remove any ex-partners whose details may be affecting your report due to a joint account you may have once held.

Apply for your Experian credit search

Your report also holds details about your current address, which is taken from the electoral role. This is used by lenders as an anti-fraud device – lenders use this information to help check that you are who you say you are and live where you say you live, which is why it is important that you make sure the details on your report are correct.

With your Experian credit search, you get:

unlimited online access to your credit history
the opportunity to review your credit history before you apply for credit
alerts by e-mail or text about any application made in your name which can help with detecting identity fraud
tips from the experts to help you manage your finances

Apply online now for your Experian credit search and you can check and manage the personal financial information that is being used by lenders to make decisions about lending you money.