09.05.2014

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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. Get tips on how to improve and maintain your credit score, based on your actual Experian Credit Score. You can add a Notice of Correction to any record on your credit report, to explain the background to that record (e.g.
If you think an entry on your credit report is incorrect we'll raise your query with the bank or financial institution involved.
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. Check your status history to see whether you're making all your repayments on time and in full. The arrows in this column indicate what has changed since you last logged in to your credit report.
These accounts have been 'closed', which means any previously outstanding debt has been settled with the banks and financial institutions involved.
Your total credit balance is the total amount you owe across all credit accounts (excluding mortgages). Your available credit is the percentage of credit you have remaining from all of your credit accounts combined. 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. This table provides an overview of your credit and store cards and a history of your payments.
You make a credit application every time you apply for a new credit account, such as credit cards, loans, utilities (e.g. Banks and financial institutions check whether you are on the electoral roll as a precaution against fraud. Public Records (including bankruptcies and insolvencies, IVAs and County Court Judgments) can decrease your credit score for up to 6 years.
The Gone Away Information Network (GAIN) is used by banks & financial institutions, to notify each other about customers who have moved without paying debts.
This column tells you when you have records on the GAIN register, and how many records you have. Cifas is an independent organisation that banks and financial institutions use to check whether people have been victims of identity fraud. 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.
This lists all the address you are linked to, including variants of your current and previous addresses.


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. This lists all the aliases we have found for you, including your maiden name and variants of your name (e.g.
If you do not recognise any of the names listed here, you should contact us as this could be a sign of identity fraud.
This lists all of your financial associations (past and present), who have made credit applications, and had their credit reports and scores checked as a result. If not, you won't see all of the credit report information on which banks and financial institutions are basing their lending decisions. Banks and financial institutions may take this information into account when making lending decisions. 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.
The key can be expanded and closed, and helps you to understand the numbers, letters and symbols included in the chart. Find out which ones are currently listed as 'active' and close any that you're no longer using.
Green circles (with a 'a?“' ) show the factors increasing your score, red triangles (with a '!') show the factors decreasing your score. Green arrows indicate something that has increased your credit score, while red arrows indicate something that has decreased it. If it is too high your credit score will decrease; reduce your balance to increase your credit score.
Green circles (with a 'a?“') show the factors increasing your score, red triangles (with a '!') show the factors decreasing your score. Reducing the balances on your credit accounts will increase both your available credit and your credit score. Find out which accounts you owe money on, make payments on time and your credit score will increase.
Green ticks show where payments have been made on time, and any numbers or warning triangles indicate late payments. As your accounts get older your score may increase as the average age of your accounts increases. 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. Please make sure the details are accurate and up to date, and if so, that the address is registered with the electoral roll. Appearing on their register won't affect your Experian Credit Score but may make it harder for you to get credit.


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. Appearing on their register won't affect your Experian Credit Score but may mean approval of your credit applications takes longer.
You should provide us with your full address history in the 'Your Account' section of CreditExpert. 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. If you believe any of the associations to be incorrect please contact the bank or financial institution involved. Experian Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number 009743). If you think a record on your credit report is incorrect we'll raise your query with the bank or financial institution involved.
Defaulted accounts are those which the bank or financial institution has terminated because you haven't made payments.
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. 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.
If you think this record is incorrect please contact the bank or financial institution involved. 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. If you do not recognise any of these aliases please contact us at they could be indications of identity fraud. Experian Ltd is registered in England and Wales with registered office at The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ. You must provide us with a full list of all the names you have been known by in the 'Your Account' section of CreditExpert. Free trial period starts on registration - further ID verification may be required to access full service which may take up to 5 days. The web monitoring feature and its alerts within CreditExpert is not FCA regulated activity.
Banks and financial institutions may take Notices of Correction and Data Disputes into account when making lending decisions.



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