How is the Experian Credit Score calculated?

Your Experian Credit Score is calculated based on the information in your Experian Credit Report. The factors that can affect your score include how easy it is to verify your identity, how you have managed credit you have taken on in the past and how you are using credit now.

How much credit you are using, how much credit you have available to you and if you have missed any credit repayments or defaulted on any agreements in the past will also affect your Experian Credit Score. As your credit report generally looks back six years, to calculate your score, Experian will use your address history from the last six years to ensure your score is as accurate as possible.

If you are concerned about the Experian Credit Score you have received, you can call Experian from Monday to Friday 8am-7pm, and Saturday 8am-4pm on 0800 052 5220. Excluding Sundays and Bank Holidays.

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