Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

What is...


Experian is one of the four main UK Credit Reference Agencies (CRAs); the other three being Equifax, TransUnion, and Crediva.

How do I see the information Experian holds for me?

You can use checkmyfile to see your Experian Credit Report, alongside your complete information from the other agencies: Equifax, TransUnion, and Crediva. Your Multi Agency Credit Report is the most detailed in the UK, letting you see everything that a lender will see all on the same, easy-to-use platform.

Try checkmyfile free for 30 days, then just £14.99 per month. You can easily cancel your subscription at any time online, and our expert team is on hand should you have any questions about your Credit Report.

What type of information does Experian hold?

Experian holds your Credit Report, a record of your financial behaviour and history that lenders can assess whenever you apply for credit.

Your Credit Report consists of your credit account information – such as your outstanding balances, limits and account statuses – as well as linked addresses, Financial Associations, and recent credit applications.

Additionally, Experian receives public information, such as County Court Judgments and insolvencies, as well as Electoral Roll listings. This blend of credit account and public information paints a picture of your creditworthiness that lenders can rely on when deciding whether to accept you as a new customer.

It’s important to note that as there are four Credit Reference Agencies, you actually have four Credit Reports – with your Experian report being just one. It’s therefore always best to make sure you’ve checked your information at all the Credit Reference Agencies. This way, you can be confident knowing you’ve seen everything and that there are no nasty surprises gone unnoticed.

Why is my Experian Credit Score different to other scores?

Each Credit Reference Agency uses its own method of calculating your Credit Score, so you will inevitably see differences from agency to agency. As each CRA has a different scorecard as well as different information, your Credit Score is similarly different wherever you check it.

This means that there is no one ‘true’ Credit Score. A Credit Score you receive online is a subjective interpretation of your creditworthiness and does not directly affect your credit applications. The information found on your Credit Report, however, is vitally important to your credit applications, as it is this data that will be scrutinised whenever you apply.

The Credit Scores that Experian supplies to consumers are not the same as those it provides to lenders, which depend on whether the underlying scorecard has been developed specifically for the lender or for more general usage, and also upon the extent of information that the lender is allowed to use within the scorecard, which can differ substantially.

In short, your Credit Score can be useful to help you gain a quick understanding of your Credit Report’s overall health, but it won’t be used in lending decisions. Instead, the data on your Credit Report is where you should focus your attention, as this information most certainly will make a difference to your applications.

The UK's First Provider Of Online Credit Reports

Launched 21 Years, 35 Million Credit Scores & 8 Million Credit Reports Ago

The UK's First Provider Of Online Credit Reports

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