How can your credit report affect you? The contents of your personal credit report are very important, and help determine whether or not a lender accepts your application for credit, such as a credit card, loan or mortgage. Your credit report can affect your ability to: • Get a loan • Get a credit card • Obtain a mortgage • Get the best credit deals Click here to see what information is held on your credit report As the information held about you by credit reference agencies like Experian is used to help determine what credit you can obtain, it is important that those details are correct. To view your personal credit report (which lenders are currently basing their credit decisions on) apply online for a credit report from Experian, the UK's largest credit reference agency, now. You will also receive a 30-day free trial of Experian's CreditExpert Monitoring Service. Click here for a free 30-day trial and a free copy of your credit report