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Martin Lewis
MoneySavingExpert Founder, Martin Lewis · Editor-in-Chief, Marcus Herbert
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FAQs

What will I see on my credit report(s) when I use Credit Club?

We do two different soft searches of your credit report(s) for Credit Club. These will appear in a separate 'other searches' section of your credit report – not in the 'credit searches' section with the 'hard' credit application searches.

This means that if you view your credit report(s), you’ll be able to see we’ve searched it, but lenders usually won’t – and where they can they can’t use it – so there’ll be no impact on your creditworthiness.

Credit Club will record two different searches on your credit report:

  • Once a month, on or around the anniversary of you signing up to Credit Club, we update your Experian Credit Score. To do this, we need to search your Experian Credit Report. If you then check it, this will show as MSE CREDIT CLUB – SCORE.

  • When you sign in to Credit Club we will do a soft search of your credit report(s) in order to get your updated eligibility results for cards and loans, although if you have logged in during the past 28 days, we will use your previous search results. The eligibility check may search one, two or all three of your Experian, Equifax and Callcredit credit reports. If a search has been done, you will see it in the “other searches” or “administration searches” section of your file, recorded as MSE CREDIT CLUB – ELIGIBILITY.

Both the credit score and eligibility searches will be recorded when you register for Credit Club.