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Experian

UK sort code, account and ownership checks against bank-held current account data

Overview

Experian is a credit-reference agency whose UK business arm sells company credit reports and monitoring to small and mid-sized firms through Business Express. Subscribers can add companies to a monitoring list and receive email alerts when new data is received, including daily alerts on credit-score updates[14].

Experian’s Business Monitoring page lists the changes that trigger alerts: change of directors, change of registered office, increases or decreases in credit limits, winding-up orders, bankruptcies, county court judgments and latest accounts filed, with users choosing which changes matter to them[15]. A related Commercial Delphi Monitoring service tracks percentage and value changes in a company’s Commercial Delphi score, credit rating and credit limit[15]. That page carries no date, so buyers should confirm which alerts are included in the current Business Express plans.

Experian publishes Business Express prices: £24.99 per one-off report, or subscriptions of £375, £600 and £925 a year excluding VAT for 50, 250 and 1,000 UK reports, based on annual billing for a three-year period, with monitoring alerts listed among the subscription features[14]. International checks and higher volumes require a callback[14]. The pages reviewed do not describe ownership or sanctions alerts or API delivery of alerts.

Experian features

  • Sort code and account number validation
  • Ownership checks for consumer and business accounts
  • Closed and deceased-holder flags
  • Near-name, address-only and account-age options
  • Online access, platform or API
  • Daily credit-score update alerts
  • Director and registered-office change alerts
  • Credit limit changes

Experian pricing

Quote-based; enquiries through Experian's contact form.

Experian strengths and limitations

Strengths

  • Ownership checked against bank-provided account data
  • Status flags for closed and deceased accounts
  • Business and consumer accounts
  • Established bureau with multiple access routes
  • Published subscription prices
  • Covers director, address, filing and insolvency events

Limitations

  • UK only on the page reviewed
  • No published pricing
  • No bulk or monitoring features described
  • CoP named as supported regulation, not as a scheme service
  • Three-year term behind the headline prices
  • Monitoring page undated

Appears in

Experian alternatives and competitors

Alternatives to Experian: companies ranked in the same lists.

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