Will ordering my credit report lower my score?

Dear James,

I’ve been told that by asking for my credit report, this will lower my credit score. Please can you tell me how many points I will lose for this - is it a standard amount for everyone? Thanks.

Michaela, Goole

Dear Michaela,

You’ll be pleased to hear that you can actually check your own credit report as often as you like without any impact on your credit rating whatsoever. While every check of your report creates a search footprint, only the footprints left behind by actual credit applications are seen by lenders and can be used to calculate credit scores. Footprints created by other events – such as you checking your own report, you asking for a credit or insurance quote, or having your identity checked using your report – simply don’t count! For more information on this important issue check out our fact sheet on previous searches. (February 2013)

James
                        Sign

  • Experian Credit Report
  • Experian Credit Score
  • Email and text alerts
  • Dedicated UK based call centre

 

* Monthly fee of £14.99 applies after trial, new customers only. You may cancel your trial during the 30-day trial period without charge.

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.

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.

Credit Report Help Centre

Find out how to protect yourself from identity fraud and what to do if you're a victim.

Identity fraud explained

£2 Statutory Credit Report

Provides you with a one-off view of your current and past credit history.

£2 Statutory Credit Report