This may be because you don’t currently have enough of a credit history to populate a full credit file that we use to calculate your Borrowing Power. A good credit history is important to having the broadest range of borrowing options when dealing with big life events. But if you’ve never taken out a loan, credit card, phone contract or car finance before, you might not have sufficient credit history. If you need to build your credit profile, you could take out an affordable form of credit and manage it responsibly. Here are some of your options:

  • Take out a contract with a mobile phone company;
  • Open a current account;
  • Take out a credit card designed to help build your credit rating;
  • Register on the electoral roll

Another reason your report may not have been found is because Experian were unable to match the information you entered with the information they currently hold on you.

Please make sure you have entered all your details correctly so they can match you.