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  1. Credit Club FAQs
  2. How Credit Club works
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How Credit Club works

  • I have debt problems. Will this help me?

  • How can I make a complaint about Credit Club?

  • What is Wallet Workout?

  • How often will you email me?

  • How can you provide my Experian Credit Score and Credit Report for free?

  • How do you make money from Credit Club?

  • Who is Experian?

  • How is my eligibility score calculated?

  • What do I do if the information you have on me is wrong?

  • What is my Credit Hit Rate?

  • I'm shown as pre-approved for a product. What does that mean?

  • My eligibility score showed as 90% - why didn't I get accepted?

  • Why doesn't my Experian Credit Report update at the same time as my Experian Credit Score?

  • Why does my Experian Credit Score on Credit Club differ from my Experian Credit Score on Credit Expert?

  • Why isn't my credit card provider shown in the card options?

  • How often will my credit report be updated within Credit Club?

  • How are my Affordability Scores calculated?

  • Why does my Experian Credit Score on Credit Club differ from my Equifax and Noddle scores?

  • Does my income affect my credit profile?

  • How does Credit Club work?

  • Why do you only update every month?

  • How do the Credit and Affordability Scores differ?

  • What happens if I don't log in every month?

  • How can you provide my Experian Credit Score

How this site works

We think it's important you understand the strengths and limitations of the site. We're a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can't guarantee to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.

  • This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances and remember we focus on rates not service.
  • Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first.
  • We don't as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it's rarely made public until it's too late (see the Section 75 guide for protection tips).
  • We often link to other websites, but we can't be responsible for their content.
  • Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code.

Please read the Full Terms & Conditions, Privacy Policy, Cookies Q&A, How this site is financed and MSE's Editorial Code.

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