Get your FREE Experian credit report and score!*
- Free Experian credit report*
- Free Experian Credit Score*
- Free email and text alerts
- Identity Fraud Expenses Insurance**
- Dedicated UK based call centre
Checking your Experian credit report will not lower your score!
If you are a Credit Expert customer you can contact the customer services team with any questions specific to your credit report.
Please log in to your account and go to the contact us page to contact the member support team.
* Monthly fee applies after trial, new customers only. You may cancel your trial anytime during the 30-day trial period without charge. Free trial period starts on registration – further ID verification may be required to access the full service which may take up to 5 days.
** As part of your CreditExpert membership, we provide Identity Fraud Expenses Insurance.
Explore our Help Centre
Our credit report centre is full of information on what 's in your credit report and how to improve your credit rating.
Find out how to protect yourself from identity fraud and what to do if you're a victim.
Will multiple searches affect my credit score?
I have seen my credit report. Everything is fine but I was turned down a loan by lenders. Do lots of recent searches on my credit report (mortgage application from different lenders) affect my credit score? If it does, how can I repair?
Credit-application footprints can affect your credit score, but other search footprints, such as those created by ID checks or quotations, cannot. While credit-application footprints are not themselves negative, if you collect a lot of them over a short period it can be a cause for concern. This is because a rush of credit applications very close together can be a sign of fraud. It can also indicate that someone is experiencing financial difficulties. This is why we encourage people to space out applications where possible and, importantly, to review credit reports before applying for credit, so that any discrepancies can be rectified before lenders look at the information and register a search. If you’re simply comparing the market and shopping around for the best deal, you shouldn’t submit a full application until you’ve made up your mind which is the best deal for you. Where the price of any credit depends on your credit score, the lender is able to carry out and register a ‘quotation search’ to avoid any confusion. The best way to put your credit report through a health check is to order your Experian Credit Score, which you can do via our CreditExpert service. If you find that your score has taken a bit of a nosedive because of a glut of searches, you should find that your score recovers after a few months, as long as you avoid making further applications for a while. Better still, all searches drop off your credit report completely after 12 months.