Experian: Credit Score

This is one of those apps where a good effort has been put into presentation. After all, who wants to deal with something that doesn’t look good and a headache to use? Experian draws on its access to credit information collated by financial institutions, so you can be sure of an up to date reflection of your financial history. Certainly important if you have been making efforts to improve your ranking to those institutions. It’s not just about getting that card you’d like but also about the price or rate you will be offered, and arguably a credit card at 6.4% is better than one at 39.9%. The nice part about the Experian app is it’s easy to navigate. One can check on a range of metrics but I really like the at a glance home page that shows your latest score. It’s nice to see the progress one is making. There are other apps about your credit rating but Experian seems to be the most polished in my estimation. Best of all, it’s free! What’s not to like about our favourite word. Go on, you know you want it!

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I get to the point of logging in and it asked me to create pin. I Create a pin and then renter as asked it just keeps telling me pin submission failed try again. I have been watched ensuring I entered the PIN number correct twice. Rang the customer services and they talked to me like I was an idiot like I knew nothing. The real thing is they had no idea what they was talking about. Deleted the app just a waste of space. Been reading other reviews since I posted mine it seems there are lots of problems signing in. But I have yet to see any movement from Experian to correct this. I myself have runs customers service several times about this with no luck so I have given up. Also if you have a problem with your file it takes a lot of brow beating to get them to respond to you. I am waiting for them to come back to me now on issue. I’m on the verge of going back to the banking ombudsman. Ended up going to ombudsman to get you to respond when there was no need. There are still errors with my file. My main bank account that I have had for forty years is nowhere to be seen this is not the apps fault it’s Experian. They think they are above everyone and give you a hard time. My credit score has not altered for months Last time this happens they had to delete my account and I had to put it back. Miracle the score changed. This app is not reading the data they have on you.

Isn't it good just to know what damages your credit score and conversely, therefore, what protects it. There are a number of free credit reports available, and as Martin Lewis (UK Money Savings Expert) says, use two or three of them to get a broad vista of your credit score, and then you can use their eligibility calculators to know whose products you are likely to be accepted for without damaging your prescious credit rating. I couldn't afford this if it was not free, so I personally appreciate the Experian offer of being able to keep track of my credit score for free and check out other loans or cards without permanent damage to that score. Brilliant.

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I was refused a mortgage due to Experian having the wrong details for me, so my rating is only “fair”,namely they have me living at three addresses , living in a rented property, not being on an electoral role etc, i actually have a majority share holding of a limited company that has been running for 40 years and an outfit like this gives a totally wrong rating for me . I rang them a few months ago to try to get them to amend the false details they have posted about me only to be told they can’t do anything on the phone but if I payed a monthly conscription I could amend the details myself to which I reluctantly did , even giving details of the electoral role giving my present address etc, I’ve emailed them and they still ignore me and my details that they give are still not updated. Obviously I am livid about this company. I’m still awaiting a response!

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The Experian App and general service gives you no useful info other than your Experian credit score, which doesn’t mean much without knowing the factors that make up your score. Clear Score and Totally Money give you a better App and service for free. These are worth having anyway as they give you your scores from different credit bureaus - Equifax and Callcredit. Don’t think paying for the Experian service will make any difference! The only info that gives you is info you can see for free with Totally Money or Clear Score. If you’re actively monitoring and working on your credit score in prep for mortgage etc. just get the free Experian App, which gives you an updated score every 30 days. Barclaycard also give you your Experian score with its App every 60 days.