I have used this its really good and there is no catch, It just lets you see whats against your name and address that you have lived in, how much money you owe, how many missed payments you have ever made, and also bear in mind that if you have been refused credit Experian help you see which credit cards, etc that you have bot 'closed off' eg you may have had lots of credit cards and even though they no longer have a balance on them, they still pull your credit rating down, once I had my report I was able to go through and close down any old accounts I wasn't using, but please be aware that it also does family members that have lived in the same addresses as you ! Just bear that in mind x good luck x