Hello there, if you are looking to take out a loan at experian, your credit history will play a decisive role in helping lenders determine if you are a safe bet. The credit history also helps in determining the terms, conditions and interest rates that may be available to you. What's more, the fact that lenders can also access your credit report means it's an important factor in your hopes for a loan or loan. If you need help, take this experian customer service number for details and help.