Experian FAQ's

What happens if I don’t supply my data now?

It’s fine if you don’t want to supply your data at this point, you must supply your data to continue your application by a method approved by the provider of the service or product, but you don’t have to do it via Experian. Please contact the provider of the service or product to find out how to supply your data another way. Please be aware that other methods may be slower.

Is it safe to share my data with Experian?

Experian works in a very secure way and follow global security standards. Protecting your data is our priority, so we have strict and appropriate policies in place. We’ve designed this online solution in line with the regulations and rules that govern information security and data processing.

Will providing this data affect my credit score?

The data that we have requested is not used within the calculation of your credit score.  However, the provision of the information may affect your likelihood of being accepted for a service or product.

Can I get a copy of the terms and conditions?

Yes, you can obtain a copy of the Terms and Conditions on the consent screen or by visiting <www.experian.co.uk/affordability/terms&conditions>

Will the provider of the service or product take into account any Credit Cards I own?

Currently, credit cards are not included in the Open Banking (Digital assessment of your income and expenditure to assist the provider of the service or product in making decisions)

Should I include my joint accounts?

Yes, you should include your joint current accounts to ensure that the provider of the service or product has a full view of your income and expenditure.  You can highlight that an account is a joint account and this will be shared with the provider of the service or product.

Can I return to my application at a later date to see my information?

No, in order to ensure a swift process, we do not provide the ability to review the information at a later date.  Please contact the provider of the service or product who may retain a copy of this information.

What Banks are supported for Open Banking?

Allied Irish Bank (GB)

Bank of Ireland

Bank of Scotland

Barclays

Coutts

Danske Bank

First Direct

First trust Bank

Halifax

HSBC

Lloyds

M&S Bank

Monzo Bank

Nationwide

NatWest

Revolut

Royal Bank of Scotland

Santander

Starling

Tesco

TSB

Ulster Bank

Virgin Money