Experian is a credit reference agency in the UK providing factual information to businesses (bank finance houses mobile phone companies major retailers and others). By providing information Experian helps lenders to make profitable decisions. The information they provide usually includes court judgments bankruptcies electoral register as well as your current and past credit commitments. These help lenders evaluate your credit rating and decide whether to give you credit or reject you. They do not decide if you will get credit or not they solely provide the information. Experian offers 30 day free trial for new customers. After the trial is over monthly fees apply. Credit Expert is also valuable for customers as you will see what lenders see. This way you might determine the problem and try to improve your credit rating.