QUESTIONS AND ANSWERS

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.

Can we really check our credit reports as often as we like?

 

Dear James,

 

My husband and I are ready to get a mortgage. We would like to make sure everything is ok before we apply for the mortgage so wish to check our credit reports. However, we have heard that we have to be careful not to do it so many times, but then I have read that you can check your report as much as you like. Can I check it as much as I like?  Please help us and let us know. Kind regards, 

Edit, Watford

 

Dear Edit,

I think I’ve featured a question on this before but am happy to revisit it because it is something that I know people worry about. What you have heard is an urban myth. Simply put, you can check your own credit report as often as you like with no adverse consequences for your credit rating. In fact, as checking your report might highlight things you might improve on your credit report, such as registering on the electoral roll, checking your report from time to time could have a positive effect. Now what you do have to be careful of is making lots of credit applications (and therefore collecting lots of credit-application footprints on your report) in a short space of time because, understandably, this can worry lenders that you’re overstretching your finances. But checking your own report leaves footprints that only you can see, and you certainly don’t have to worry about those. (January 2014)

James Sign

  • © 2014 Experian. All rights reserved