Experian Credit Score & Report
Your credit information can affect your ability to borrow money, rent property, and even get a mobile phone contract.
Find out how your credit score and report work – and how to make them work for you.
Using credit means you can gain something of value and pay for it later. For example, you might buy your groceries on a credit card and pay it off after a few weeks. Or you might sue electricity in your home, and pay for it months later. You'll sometimes pay interest or fees for using credit, but it can be worth it for the convenience.
What's a credit score?
Your credit score helps companies decide whether to give you credit. It’s based on your personal data, though each company may calculate it slightly differently.
The higher your score, the better your chances of getting credit. A good rating can help you borrow larger amounts or pay less interest. Your score’s a gateway to getting the credit you want, so it’s smart to look after it.
Get your free Experian Credit Score
It won't cost you a penny, and checking your score won't affect it.Sign up free
How your credit score works
Get to grips with how your score works, and what it means for you.Learn more
What's a credit report?
Your Experian Credit Report shows your financial behaviour from the last six years. It includes things like whether you pay your bills on time, and how much money you owe.
Companies may use this data to help them decide whether to give you credit. But they’re not the only ones who can benefit: you can use your report too. Understanding your report may help you improve your score, which could mean better credit offers for you.
Get more with CreditExpert
With CreditExpert you can explore your report, understand your score, get alerts, and more.Find out more
Learn about credit reports
Get a better understanding of what your report contains, and how it’s created.Learn more
Score and report – how are they different?
The main difference is that your report contains lots of detail, while your score is simply a number.
Your score is calculated using information on your report. So if your score goes up or down, you can find out why by looking at your report.
How do companies use my data?
Companies use information from your report – along with your application form and their own records – to get insight into your Data Self. This is a version of you that’s made up of things like your credit history. Companies use this data to understand how well you manage your finances, and it helps them decide whether to lend to you.
You make a credit application with a company
The company calls upon your Data Self to make a decision
The company approves or denies your application
Concerned about privacy? Don’t worry – your data is held securely, and companies can only search your report if they have a legitimate reason (e.g. you’ve applied for a loan with them).
Learn more about how we work with companies
Sign up with Experian
We can help you understand your credit data – pick the option that’s right for you:
I want the basics...
- Check my Experian Credit Score once a month
- Understand my chances of getting credit
- Pay nothing
Try our free Experian account
I want a bit more...
- Check my Experian Credit Score every day
- See my credit history in detail
- Understand what’s affecting my score & how you may be able to improve it
Learn about our CreditExpert paid subscription