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 insurance quotations hurt my credit rating?
On my credit report there are a number of entries from companies such as AA, Churchill, Royal & Sun Alliance, Direct Line etc. Some show as "Insurance Quotation", or "ID: Generic Check" or "Unrecorded Enquiry". Please can you confirm whether these searches are visible to companies from whom I may borrow money? As I can only assume they are from an insurance quote I ran through someone like Confused.Com but I have NOT taken up insurance with them. I'm really worried this will affect my credit rating. Kind regards.
I understand your concerns, but you’ve no need to worry. All routine checks of your credit report are logged so you can see and check them. Each search footprint will show the name of the organisation that carried out the search, the reason for the check and when it took place. There are a wide variety of reasons for checks to take place and your question includes a fair few. Importantly, though, only checks made to support your actual credit applications leave the type of search footprint that can affect credit scoring. As a result, checks registered as ‘insurance quotation’, ‘ID check’ or unrecorded enquiry’ will have no impact on your credit rating at all. You can read more about previous search footprints in our fact sheet.