There are plenty of ads on TV these days trying to persuade punters to subscribe to Credit Expert and obtain their credit 'score' at the bargain price of £14.99 a month. The first thing to point out here is that the score that they give you is virtually meaningless. All lenders have their own criteria for determining whether or not they will grant a loan and CreditExpert do not know what these are. The number you see is a score devised by them only as a way of creating a 'service' they can charge you for. I have seen guys with a score of 1000 rejected for credit and those with low scores having no problem. What is really important is that the information they hold about you is correct - that is details about your address, electoral roll register, existing credit accounts and payment history. It's a good idea to do this once a year so that if you ever do need a mortgage, car loan etc then your info is all up to date and there are no issues. A few pointers to help anyone to do this The 2 main Credit Reference agencies in the UK are EXPERIAN and EQUIFAX. Each one can have different information held about you - for example my bank account shows on EQUIFAX but not EXPERIAN - so to do a proper job you need to check both. For the sum of £2 you can apply to each for a copy of the details they hold on you - there really is no need to subscribe to a monthly service with some gimmicky extras. This is called a STATUTORY CREDIT REPORT. Experian will process this online but send you the information in the post. Equifax will allow you to view and print it immediately. Make sure all your information is correct. If you have a query each website allows you to provide feedback with the information you dispute. They will contact the lender with your query and the lender has 21 days to make a satisfactory justification for the information listed. If they do not reply within 21 days the credit agency will remove the information until the lender resolves it. You have the right to post additional information to your file if you feel that the information does not accurately reflect your circumstances - this is called a NOTICE OF CORRECTION. For example - THE LATE PAYMENTS ON XXX ACCOUNT WERE DUE TO ME BEING IN AFGHANISTAN AT THE TIME AND WERE PAID AS SOON AS I WAS ABLE. This way lenders can put the information in some form of context. Information stays on file for SIX YEARS - after which it will drop off. At the end of the day you will not be able to turn a shit credit history into a good one no matter how hard you try - despite what Experian would have you believe. Avoid lots of credit applications in a short period of time. Having unused credit available is helpful as it shows you are not maxxing out. A steady address and being on the electoral roll also is helpful. Glad to answer any further questions.