Experian UK Reviews

According to Experian, they are given information about you by third parties. If that information is wrong, they ask the company to review or amend the information. However, if said third party company decides not to change the information or refuses, Experian can't do a thing about it, so the disgruntled company can ruin your credit status until you have to pay a solicitor to put things right.

What exactly is in place to stop such actions towards individuals ? Nothing, absolutely nothing !!!
Laws and regulations should be there for everyone, not just individuals.
This is far from acceptable, and borderline illegal, and no ombudsmen service or FSC company are bothered

Date of experience: April 11, 2024

You need experian, if nothing else, to make demented people look good. With credit score my score is 100 points above UK average. With 7 years without missing a payment, my score with experian is classed as "bad". How can that be possible? My advice to experian is to use the money they steel to have a brain transplant.

Date of experience: April 02, 2024

Gives inaccurate score, forces you to pay the subscription to change or update the information that affects the score. Will stick to the score provided by my bank.

Date of experience: December 12, 2023

Paid £15 for premium service yesterday and money has been taken out of my account, however I'm still stuck on the basic version and have no access to premium features. There is no way of contacting anyone as everyone is off but j need the service now.

Date of experience: December 31, 2023

I have had both the free and paid accounts with credit expert. Forgot details and when tried to log in and change details and also tried to set up a new account it says I’ve had account suspended and they have no details.
Terrible service just to try update my file

Date of experience: November 21, 2023

I tried Experian Credit Expert free trial and got stung for £14 even when I cancelled within 30 days. Fortunately I got reimbursed for it after calling and holding for ages.
However - when I cancelled my paid account, they then lowered my ‘credit score’ even though there were no negative events or credit related issues that occurred. Totally manipulative. Lost trust in their scoring feature. Their credit score is just a made up figure they invent and manipulate as they wish. Dont trust them. Fraudsters.

Dont fall into the trap of ‘boosting’ your score. Its all smoke and mirrors. The access they get to your personal data is vast. I would certainly not trust them with it.

Date of experience: March 24, 2021

They said their system is faultless and its the customers and those submitting data who mess things up.
I'd give less stars if possible. My accounts are inxs of £1600 out. My total debt exposure is less than £4000.
I'm at a loss when I consider how much they charge and free company's like Credit Kalma are more accurate.
Furthermore they said they were not aware they were on TRUST PILOT'S review site and calling themselves EXPERT nither devalued the term nor was it false advertising.

Date of experience: December 04, 2019

I agree with everyone on here.. Experian should not be allowed call it’s self a service. Excellent score rating but 0% chance of getting a loan apparently ! I really think there needs to be something done about companies like Experian giving false reasons to make a profit
Disgraceful

Date of experience: February 08, 2021

The worst credit assessment agency that ever existed. I applied for a Cooperative Bank C.C. and I met all the criteria required. Refused because of this company's mis-information. As much good as a chocolate teapot. It is interesting to read all the comments and to realise that the system is absolutely corrupt. If you want any more info about their "report?£ it will cost you a fortune!!

Date of experience: July 19, 2022

Don't sign up with these gangsters. They advertise a free service but after 30 days charge 14.99 a month. Then they make it almost impossible to cancel. Both Clearscore and Noddle now provide the same service genuinely free. Considering that you are probably only checking your credit rating if you are experiencing difficulties these people are just preying on the vulnerable. Avoid!

Date of experience: November 19, 2016

Inane customer support! Everything is automated, won't reply till they ask for name, surname, email and address (which any person living with you would know, so it's no identity check whatsoever, just harrassment), and they answers are always vague and indefinite.

Utter waste of time. You can get a better deal by subscribing to check my file, which has your credit report from ALL CRAs with NO hassle whatsoever.

Date of experience: August 22, 2017

This credit agency company is completely rubbish I fill a form for a credit card from Tesco and I was refused.My credit score is good in Trans Union 615 out of 710 the best credit agency
ever. Probably if I was a paying costumer to Experian UK was a different story .
Unfair , damaged and ridiculous .
Not recommend the services of Experian .UK to anyone.

Date of experience: July 15, 2023

Unreliable service. Technical issue ongoing from over a week ago. Advisor issued a 'statutory report' to me, to come 'signed for' in post for 2 days later..... almost one week and still nothing. Still unable to gain access to a full £14.99 per month service online. Not a happy customer who requires this for mortgage purposes. Disappointing, Experian!

Date of experience: August 08, 2018

Applied for credit card - turned down - never had any problems - got Experian credit report - wrong address, linked to a property that doesn’t exist. Told Experian they had 8 errors in respect of wrong address. Now some 143 days later still have 3 errors. If you have to use a credit reference agency I would recommend CheckMyFile.

Date of experience: August 07, 2021

I joined Experian recently and instantly and for no reason my credit report appeared to be very good and higher than i thought. It is also good on Clearscore. However as soon as my 30 day trail ended and i did not renew with Experian my credit report fell dramatically by 200 points. I had not taken out any credit with anyone and don't owe anyone any money. All i can think is that Experian faked my report initially to con me into paying them a monthly fee .. which i didn't ... i wouldn't recommend Experian to anyone ..

Date of experience: August 06, 2022

Very poor service website information is incorrect, states open 08.30 answer machine states 09.00am. Tried calling no answer at all, very poor service.Need to sort themselves Out and don't use the whole Covid excuse its getting tiresome...One and a half hours now trying to get in touch!!

Date of experience: November 17, 2020

So does anyone actually work in Customer Service - options for everything.......except an actual person to speak too! Can't not access my account keeps saying more checks need to be completed and ill be contacted with in 2 days - I have been waiting nearly 1 YEAR!! Disgusting how they monopolise the the credit market - awful service, absolutely hate having to use them! I would give this a negative 5 star rating if I could!!!

Date of experience: February 02, 2023

The credit boost facility doesn’t work. You do not get an advisor to speak that is available when you sign up for the extra services AND it’s completely out of sync with other credit scoring companies.
Not to mention they don’t actually keep track of you unless you update your details on their site. Therefore if you provide a lender different details these cowboys reduce your chances of gaining credit because you have to update their shifty systems too. Unless you commit fraud with the lender (since credit expert may give you a great score at a old address)

Date of experience: January 06, 2022

Absolute con artists! I opened an account and excepted my free trial. I then cancelled within the week!! Only to then be charged without my knowledge for the next 3 months! The complaints team were rude and extremely unhelpful, refusing to refund the payments even when there is evidence to show that my account was inactive for 3 months. Just to add they also take duplicate payments!!

Date of experience: February 12, 2020

I registered in Experian credit score UK, and subscribed to Premium trial service and cancelled the same in 20 days, but still after 2 months i am being charged.
In my subscriptions it shows free account, but i am charged 14.99 GBP for 2 months, i tried to call Customer care but no response, Experian is eating my hard earned money. First of all Experian is fraud, please take action against it

Date of experience: July 28, 2020