Get your FREE Experian credit report and score!*

CreditExpert Logo

  • Free Experian credit report*
  • Free Experian Credit Score*
  • Free email and text alerts
  • 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.

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.

How do I update my credit reports now my IVA has ended?


Dear James,

Hi, I have completed an IVA and received the completion documents and certificate this morning. How do I get my credit file amended to reflect this? I was going to post the documents to you. Is there a fee for the service? You have a very ambiguous website regarding this process. Thanks.

Richard, Swansea


Dear Richard,

The chances are that your credit reports held by all three credit reference agencies have already been updated. This is because we receive electronic updates on bankruptcies, debt relief orders and individual voluntary arrangements from the Insolvency Service. Outside of England and Wales, we have similar arrangements in Scotland and Northern Ireland. So what you need to do is order a copy of your credit report from each agency and if, for some reason, your IVA completion has not come through only then should you send in confirmation. There is no charge for this. You should also check that any credit debts that were included in your IVA have also been updated, this time by the individual creditors. If any are still shown as outstanding, you can either take this up directly with those creditors or we can take the matter up for you. There is actually advice about IVAs on our website, including our ‘Your credit report and individual voluntary arrangements’ guide.


James Sign

  • © 2014 Experian. All rights reserved