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admin | Getting An Ex Back | 12.01.2016
Checking your report is the first major step in taking control of your financial situation. It details your personal credit history, including mortgages, credit cards, mobile phone contracts and more. When you apply for financial products, lenders will normally check your credit report and use the information, along with their own policies and information on your application, to assess whether you are likely to repay what you owe on time. Experian CreditExpert puts you in the driving seat, allowing you to check that your report is accurate and reflects your current circumstances. Receive alerts by text message or email when there are certain changes to your Experian Credit Report or if we find your personal details anywhere online.
Incorrect credit reports can prevent you from obtaining a loan, cause you to pay higher interest rates, pay higher insurance premiums, and even keep your from getting a job. Although we do not offer credit repair services, we help consumers like you enforce your rights under the FCRA to make sure your credit reports are accurate.
Incorrect information in your credit history from Visa, MasterCard, American Express, stores, finance companies, banks, etc. The table below shows the differences between the A?2 Statutory Credit Report and Experian CreditExpert - it may help you decide which of our Experian products is most suitable for you. If you choose to view your statutory credit report online, you will be sent a unique Passkey which will allow you to log in to a secure area of our site and view your report. The cost to order your statutory credit report by post is A?2 (non-refundable) and usually takes up to 7 working days to arrive.
You can apply for your statutory credit report by post by filling in the application form and sending it to the address below.
We recommend that you read the privacy statement to understand the identity verification and fraud prevention procedures that we employ when processing each Statutory Credit Report request.
The cost of ordering your statutory credit report by post is A?2 (non-refundable) and usually takes up to 7 working days to arrive. If you are a sole trader or a partnership, you can apply for your Statutory Credit Report by post by filling in the application form and send it to the address below. We recommend that you read the privacy statement to understand the identity verification and fraud prevention procedures that we employ when processing each statutory credit report request. Under the Data Protection Act 1998, Experian are permitted to charge a non-refundable fee of A?2 each time you request access to your Experian Statutory Credit Report. Your application is made under Section 7 of the Data Protection Act 1998 and we will keep a record of your application. Because we operate throughout the world in providing our goods and services, this may involve us transferring your personal information to countries whose data protection laws do not provide the same level of protection as those in the UK. 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.
Checking your credit report is the first major step in taking control of your financial situation. CreditExpert from Experian offers an array of useful tools and expert advice to help you understand, monitor and improve your own credit status.
Your Experian credit report details your personal credit history, including mortgages, credit cards, mobile phone contracts and more.
CreditExpert from Experian allows you to view your credit report through an easy to use online interface. When you apply for financial products, lenders will normally check your credit report and use the information, along with their own policies, to assess whether you are likely to repay what you owe on time. CreditExpert from Experian puts you in the driving seat, allowing you to check that your report is accurate and reflects your current circumstances. Receive alerts by mobile text or email whenever therea€™s a significant change to your credit report.
Our free app gives you access to your Experian Credit Score on the move, as well as alerts notifying you of changes to your credit report. The app is free to download from the Apple iTunes store simply by searching for CreditExpert. The more you know about how your report works, and how lenders and others use it, the easier it is to understand and improve your credit status. Your report contains information that helps lenders to decide whether or not to accept your application. This helps them decide whether to offer you the product and which terms to set, such as interest rates. Prospective landlords and employers may see elements of your report, so it can also affect your chances of renting a home and getting a job. Monitoring your credit report is one of the best forms of protection against identity fraud allowing you to see potential anomalies. Experian Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number 009743).
Fixing errors on a credit report can be a frustrating process, but it doesn’t have to be with our help. So, you need to take matters in your own hands.  However, correcting an identity theft situation can be a cumbersome process.
We will collect our fees and costs, as permitted by the FCRA, from the credit bureaus and the creditors who do not correct the information in your credit reports.
It contains public and private information recorded in your name and is available to authorised lenders that carry out a credit check through Experian. When you complete your application form, we recommend that you tell us all your previous addresses from the past 6 years (including postcodes), when you apply. It contains public and private information recorded in your name and is available to authorised lenders carrying out a credit check through Experian. Other people (including your partner, spouse or anyone else you may have applied for credit with) must each apply for their own report.
If we do so, we will ensure that an agreement is in place in which anyone to whom we pass the information agrees to treat it with the same level of protection as if we were dealing with it. 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. The more you know about how your credit report works, and how lenders and others use it, the easier it is to improve your credit status a€“ and increase your chances of being offered the best credit rates on the market. Prospective landlords and employers may see elements of your credit report, so it can also affect your chances of renting a home and job prospects.
Your report is also a helpful tool for you to use to keep track of your accounts in one place and watch out for fraudulent activity. 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. The FCRA allows us to collect our fees and costs from the credit bureaus and creditors who reported the wrong information on your credit reports; you do not need to pay us to represent you.
It is important to take steps quickly and decisively to minimize the damage to your credit history. The information in your A?2 Statutory Credit Report is the same information that is shown on your Experian Credit Report available as part of Experian CreditExpert. This will ensure that you see all the information on your credit report, which a lender would see if you were to apply for credit.
Credit reports are used by lenders to help them in making decisions about whether to give you credit or not. 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. Free trial period starts on registration a€“ further ID verification may be required to access the full service which may take up to 5 days. 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. If they don’t, you have the right to take them to court to force them to comply with the FCRA. You must provide us with a full list of all the names you have been known by in the 'Your Account' section of CreditExpert. Banks and financial institutions may take Notices of Correction and Data Disputes into account when making lending decisions.



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