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There are three agencies – Callcredit, Equifax and Experian.
Getting a ‘soft’ credit check (or ‘eligibility check’) can also help you get an idea of your credit rating.
There is a wide range of activity that can accompany an expired credit card.
After a certain amount of time, your credit card company will send you out a new card. Whether you're using the card in person, over the phone or online, the expiration date provides an additional data point that can be checked to make sure the card information is valid and you are the legitimate user.
Other reasons for expiration dates include opportunities for marketing and a plateau from which the terms of the credit card can be re-evaluated based on credit worthiness.
Prior to using your new card you will need to contact your credit card company to activate it; typically the card will come with a sticker with a website address or a number to call.
Once you add your new credit card to your wallet, remove your old card and cut it with a pair of scissors.