WHAT WILL YOUR EXPERIAN
CREDIT REPORT TELL YOU?

This is a SAMPLE report and the data displayed is not real.

What is in your Experian Credit Report Summary
  1. We calculate your Experian Credit Score by looking at how you've managed your finances over the past 6 years, and how you're currently managing them. There are 5 categories your score could fall into.
    Excellent
    961-999
    Good
    881-960
    Fair
    721-880
    Poor
    561-720
    Very Poor
    0-560
  2. Get tips on how to improve and maintain your credit score, based on your actual Experian Credit Score.
  3. This panel summarises how your credit score has changed since you last logged in.
  4. This panel summarises the score factors currently affecting your credit score (e.g. late payments, credit accounts, etc.) Click on either the positive or negative factors for more detail, and tips on how to increase your score.

View your profile information

What is in your Experian Credit Report Summary

View your profile information

It's important to keep your profile information accurate and up to date. If not, you won't see all of the credit report information on which banks and financial institutions are basing their lending decisions.

  1. Please complete the information missing from your profile. We need accurate and up to date details (e.g. addresses) to ensure your credit report shows all of the credit report information on which banks and financial institutions are making their lending decisions.

View your notices of correction and data disputes

What is in your Experian Credit Report Summary

View your notices of correction and data disputes

You can add a Notice of Correction to any record on your credit report, to explain the background to that record (e.g. the late payment on DD/MM/YY was because I became unemployed on DD/MM/YY). If you think a record on your credit report is incorrect we'll raise your query with the bank or financial institution involved. A Data Dispute will be lodged on your report until the query is resolved. Banks and financial institutions may take Notices of Correction and Data Disputes into account when making lending decisions.

  1. You can add a Notice of Correction to any entry on your credit report to explain the background to that information (e.g The late payment on DD/MM/YY was because I was became unemployed on DD/MM/YY). Banks and financial institutions may take this information into account when making lending decisions.
  2. If you think an entry on your credit report is incorrect we'll raise your query with the bank or financial institution involved. A Data Dispute will be lodged on your report until the query is resolved, and banks and financial institutions may take it into account when making lending decisions.

Your credit accounts

What is in your Experian Credit Report Summary

Your credit accounts

You open a credit account whenever you borrow money, goods or services from a bank or financial institution, on the understanding that you'll repay them at a later date. Credit accounts include credit cards, loans, utilities (e.g. gas), mobile phones, store cards and mortgages.

  1. Account type

    Credit accounts include credit cards, loans, utilities (e.g. gas), mobile phones, store cards and mortgages.

  2. Payment status

    Make sure all your payments are up to date. Late payments will decrease your credit score. Defaulted accounts are those which the bank or financial institution has terminated because you haven't made payments. They stay on your credit report for 6 years and decrease your credit score.

  3. Personal Information

    If you spot any incorrect information (e.g. errors in your name and address on the account, or credit accounts you didn't open) please contact us - it could be a sign of identity fraud.

  4. Status history

    Check your status history to see whether you're making all your repayments on time and in full. The key can be expanded and closed, and helps you to understand the numbers, letters and symbols included in the chart.

How many credit accounts do you have?

What is in your Experian Credit Report Summary

How many credit accounts do you have?

Having a high number of credit accounts in use decreases your score. Find out which ones are currently listed as 'active' and close any that you're no longer using.

  1. This column shows the score factors currently affecting your credit score. Green circles (with a '✓' ) show the factors increasing your score, red triangles (with a '!') show the factors decreasing your score.
  2. The arrows in this column indicate what has changed since you last logged in to your credit report. Green arrows indicate something that has increased your credit score, while red arrows indicate something that has decreased it.
  3. Click on the arrow to see which credit accounts you have opened or closed.
  4. These accounts have been 'closed', which means any previously outstanding debt has been settled with the banks and financial institutions involved.

What is your outstanding total credit balance?

What is in your Experian Credit Report Summary

What is your outstanding total credit balance?

Opening a new credit account may decrease your credit score. As your accounts get older your score may increase as the average age of your accounts increases. Find out which accounts are currently affecting your score

  1. This column shows the score factors currently affecting your credit score. Green circles (with a '✓') show the factors increasing your score, red triangles (with a '!') show the factors decreasing your score.
  2. The arrows in this column indicate what has changed since you last logged in to your credit report. Green arrows indicate something that has increased your credit score, while red arrows indicate something that has decreased it.
  3. This graph shows the age of your various credit accounts. Accounts less than 34 months old will decrease your credit score.

How much of your available credit are you using?

What is in your Experian Credit Report Summary

How much of your available credit are you using?

Your available credit is the percentage of credit you have remaining from all of your credit accounts combined. Reducing the balances on your credit accounts will increase both your available credit and your credit score. Having a credit card with a high credit limit will also increase your credit score.

  1. This column shows the score factors currently affecting your credit score. Green circles (with a '✓') show the factors increasing your score, red triangles (with a '!') show the factors decreasing your score.
  2. The arrows in this column indicate what has changed since you last logged in to your credit report. Green arrows indicate something that has increased your credit score, while red arrows indicate something that has decreased it.
  3. This table provides an overview of your credit and store cards - their credit limits, current balances, and the amount currently available on each of them. Follow the tips to the right of the table to increase your credit score.

Are you keeping up with your payments?

What is in your Experian Credit Report Summary

Are you keeping up with your payments?

A late payment on your credit account will decrease your credit score for up to 6 years. Find out which accounts you owe money on, make payments on time and your credit score will increase.

  1. This column shows the score factors currently affecting your credit score. Green circles (with a '✓') show the factors increasing your score, red triangles (with a '!') show the factors decreasing your score.
  2. The arrows in this column indicate what has changed since you last logged in to your credit report. Green arrows indicate something that has increased your credit score, while red arrows indicate something that has decreased it.
  3. Late payments are shown with detail on how late the payment is (e.g. 1st Late, 2nd Late, 3rd Late).
  4. This table provides an overview of your credit and store cards and a history of your payments. Green ticks show where payments have been made on time, and any numbers or warning triangles indicate late payments.

What's the average age of your credit accounts?

What is in your Experian Credit Report Summary

What's the average age of your credit accounts?

Opening a new credit account may decrease your credit score. As your accounts get older your score may increase as the average age of your accounts increases. Find out which accounts are currently affecting your score

  1. This column shows the score factors currently affecting your credit score. Green circles (with a '✓') show the factors increasing your score, red triangles (with a '!') show the factors decreasing your score.
  2. The arrows in this column indicate what has changed since you last logged in to your credit report. Green arrows indicate something that has increased your credit score, while red arrows indicate something that has decreased it.
  3. This graph shows the age of your various credit accounts. Accounts less than 34 months old will decrease your credit score.

How many credit applications have you made in the last 6 months?

What is in your Experian Credit Report Summary

How many credit applications have you made in the last 6 months?

Applying for a new credit account can decrease your credit score for up to 6 months. Find out which applications are currently affecting your score.

  1. This column shows the score factors currently affecting your credit score. Green circles (with a '✓') show the factors increasing your score, red triangles (with a '!') show the factors decreasing your score.
  2. The arrows in this column indicate what has changed since you last logged in to your credit report. Green arrows indicate something that has increased your credit score, while red arrows indicate something that has decreased it.
  3. You make a credit application every time you apply for a new credit account, such as credit cards, loans, utilities (e.g. gas), mobile phones, store cards and mortgages. New applications can decrease your credit score for up to 6 months.
  4. This row shows when you made credit applications which decreased your credit score.
  5. This row shows when you made credit applications which had no affect on your credit score.
  6. This section provides details of the organisations that have searched your credit report.

Are you on the Electoral Roll?

What is in your Experian Credit Report Summary

Are you on the Electoral Roll?

Banks and financial institutions check whether you are on the electoral roll as a precaution against fraud. If you don't appear, or if you are registered at a different address to the one they have for you, they may ask for further proof of identity or even turn your credit applications down.

  1. This column shows the score factors currently affecting your credit score. Green circles (with a '✓') show the factors increasing your score, red triangles (with a '!') show the factors decreasing your score.
  2. The arrows in this column indicate what has changed since you last logged in to your credit report. Green arrows indicate something that has increased your credit score, while red arrows indicate something that has decreased it.
  3. These are the addresses with which you have been registered. Please make sure the details are accurate and up-to-date. If banks and financial institutions have a different address for you than the one on the electoral roll they may turn down your credit applications.
  4. These are the details and records of the address with which you are currently registered. Please make sure the details are accurate and up to date, and if so, that the address is registered with the electoral roll.
  5. This is your most recent electoral roll information. It will show if you are currently registered or not. If you have recently registered but your information is not showing here, it could be that we are still awaiting the updated information to be sent through to us from your local authority.

Have you got any CCJs, Bankruptcy, or IVA records?

What is in your Experian Credit Report Summary

Have you got any CCJs, Bankruptcy, or IVA records?

Public Records (including bankruptcies and insolvencies, IVAs and County Court Judgments) can decrease your credit score for up to 6 years. Find out if there are any public records currently held against your name.

  1. This column shows the score factors currently affecting your credit score. Green circles (with a '✓') show the factors increasing your score, red triangles (with a '!') show the factors decreasing your score.
  2. The arrows in this column indicate what has changed since you last logged in to your credit report. Green arrows indicate something that has increased your credit score, while red arrows indicate something that has decreased it.
  3. Public Records include bankruptcies and insolvencies, IVAs and County Court Judgments. They can decrease your credit score for up to 6 years.

Do you still have unpaid debt at your previous addresses?

What is in your Experian Credit Report Summary

Do you still have unpaid debt at your previous addresses?

The Gone Away Information Network (GAIN) is used by banks & financial institutions, to notify each other about customers who have moved without paying debts. Appearing on their register won't affect your Experian Credit Score but may make it harder for you to get credit.

  1. This column tells you when you have records on the GAIN register, and how many records you have.
  2. This record indicates that you have unpaid debts from a previous address. If this is true then it will make it harder to for you to get credit, but it won't affect your Experian Credit Score. If you think this record is incorrect please contact the bank or financial institution involved.

Have you been a victim of identity fraud?

What is in your Experian Credit Report Summary

Have you been a victim of identity fraud?

CIFAS is an independent organisation that banks and financial institutions use to check whether people have been victims of identity fraud. Appearing on their register won't affect your Experian Credit Score but may mean approval of your credit applications takes longer.

  1. This tells you when you have records on the CIFAS register. If you've been a victim of fraud, and you've spoken to your bank or another financial institution about it, it's likely that you're registered with CIFAS

How many addresses are you linked to?

What is in your Experian Credit Report Summary

How many addresses are you linked to?

We need an accurate list of your current and previous addresses, to ensure your credit report shows all the information on which banks and financial institutions are basing their lending decisions. You should provide us with your full address history in the 'Your Account' section of CreditExpert.

  1. This lists all the address you are linked to, including variants of your current and previous addresses.
  2. If you have never lived at or do not recognise any of these addresses please contact us at they could be indications of identity fraud.

How many names have you been known by?

What is in your Experian Credit Report Summary

How many names have you been known by?

Aliases include your maiden name and variants of your name (e.g. Miss S Smith, Ms Sarah Smith, Mrs Sarah Smith-Jones). We need an accurate list of your aliases, to ensure your credit report shows all the information on which banks and financial institutions are making their lending decisions. You must provide us with a full list of all the names you have been known by in the 'Your Account' section of CreditExpert.

  1. This lists all the aliases we have found for you, including your maiden name and variants of your name (e.g. Miss S Smith, Ms Sarah Smith, Mrs Sarah Smith-Jones). If you do not recognise any of these aliases please contact us at they could be indications of identity fraud.
  2. If you do not recognise any of the names listed here, you should contact us as this could be a sign of identity fraud.

Are you financially associated with anyone?

What is in your Experian Credit Report Summary

Are you financially associated with anyone?

You are financially associated to someone if you have a joint credit account or mortgage. Being financially associated to somebody with a bad credit score does not affect your credit score but could make it harder for you to get credit. Check your financial associations and remove any that are incorrect.

  1. This tells you how many people you are financially associated to at present.
  2. This lists all the people you are financially associated with. If you believe any of the associations to be incorrect please contact the bank or financial institution involved.
  3. This lists all or your financial associations (past and present), who have made credit applications, and had their credit reports and scores checked as a result. If you believe any of the associations to be incorrect please contact the bank or financial institution involved.


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