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
  • 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 lodger’s trail of debt affect my credit rating?

Dear James,

I had a lodger for a few months but I had to kick him out for non-payment. Since he has been gone I have found out there are credit cards, loans and phone bills on my address that are not being paid. I receive phone calls everyday from call centres asking for him and post that looks like bills most days. I have been posting them back for a few months. What can I do to have everything removed from my address? I need to re-mortgage in a couple of months, will this affect my credit rating?

Helen, Yorkshire

Dear Helen,

You’ve no need to worry about your own credit rating. Today, credit checks are carried out on you, not your address. Furthermore, your credit report can only become linked to someone else’s if you apply for or take out joint credit, or if you confirm to a lender or credit reference agency that you are financially linked to someone. As a result, it is highly unlikely that the debts your former lodger has left behind will damage your credit rating. If, for peace of mind, you want confirmation of this, simply order a copy of your credit report. Unless your ex-lodger’s name is listed in the section marked ‘Financial associates’ you have absolutely nothing to fear. Of course, receiving debt demands and phone calls because of someone else’s misbehaviour is still a pain. But if you keep returning any post to the senders marked ‘moved away on ’ and relaying the same message to callers, you should find this debt collection activity soon stops.

James Sign

  • © 2014 Experian. All rights reserved