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What kind of service is that, I.e. what are they selling or offering?
Experian are a credit reference agency. They give you a little score that lets other creditors know whether you’re a good risk for lending money too, getting a credit card, mortgage, etc.
And you actually have to pay to learn about your own credit rating?
You can get a paper report for close to free still I believe. Equifax and Experian charge a monthly fee. I just use ClearScore which is free and shows all your credit outgoings, debts, account, defaults, county court judgments, and a score.
I imagine companies that use them to check potential customers pay a fee.
Also, you can freeze your credit so that nobody can open lines of credit in your name without unfreezing it