Check Your Personal Credit Report

 

What is it?

Checkmyfile is Trustpilot’s top ranked credit report service, providing over 35 million credit scores and 8 million credit reports to customers.

The UK’s only Multi Agency Credit Report – See full credit report data from Experian, Equifax and TransUnion all in one place.

Ranked No.1 for customer service – Highest ranked credit report provider on Trustpilot since July 2015.

Best-in-class support – Freephone and secure messaging support from UK based graduate Credit Professionals.

Dispute resolution – Resolve disputes quickly at all 3 agencies for all data types through a single point of contact.

Free 30-day trial – Easy to sign up and even easier to cancel either online, by phone or by email at any time.

Guaranteed to never sell your personal data – No pushing of credit you don’t want or need on screen or by email.

 

What do they do?

Checkmyfile:

  • Clearly lists the information that UK lenders use when assessing an application.
  • Shows any previous loans, unpaid/late payments, insolvencies.
  • Checks for identity fraud.
  • Shows whether you are correctly registered on the electoral roll (this aids in building your credit score!).
  • Identifies any linked accounts who may have poor credit and could potentially hinder your own credit score.
  • Updates the report each month to constantly stay up to date and track your progress.
  • Shows up to 6 years history on your total borrowings on mortgages, personal loans and credit cards etc.
  • Makes it easy to identify which factors are negatively impacting your credit score.
  • Helps to notice any hidden discrepancies, e.g., an old unpaid phone bill.
  • Does not negatively affect your credit score.
  • Guarantees to never sell any personal data.

 

Why is this useful?

With Checkmyfile, the credit report helps to understand how you are likely to be assessed when applying for credit and highlights how each factor used affects your credit score. It also provides the mortgage broker with necessary information needed to accurately assess lending options and give tips on how to improve your credit score to increase the likelihood of success when applying for a mortgage.

 

Why use Checkmyfile rather than an individual CRA?

Checkmyfile gathers the required data to generate each agencies respective reports, while also giving you the option to collate them into 1 easy to read report. This bypasses the needs to use 3 separate agencies, create 3 different accounts, and try to understand 3 different reports. Not to mention that each CRA has their own credit score range which may cause difficulties when drawing comparisons, for example Experians is 0-999 but TransUnions is 0-710. With Checkmyfile, an overall credit score is calculated between 0-1000, and although there isn’t a universally “good” or “bad” credit score, an estimate can be made on the probability of default based on the rating.

 

How can I get started?

 

  • You will be asked to provide some personal information including card details, but this is so the agencies can access credit data linked with the card to produce an accurate report.
  • Download the report by selecting “printable version” then “download”. Your Checkmyfile credit score will be clearly visible at the top of the report.
  • Review the report to identify any potential errors that could have led to inaccuracies.
  • The free trial period lasts for 30 days, then a £14.99 monthly fee which can be cancelled at any time through their website.

Contact Us

Our office hours are 9am-5:30pm Monday to Friday excluding public holidays

Address:
Oriel House
26 The Quadrant
Richmond, Surrey
TW9 1DL

Tel 0207 090 7290
Email info@censeo-financial.com

Latest Reviews

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4.7
Based on 304 reviews
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Gizem O
Gizem O
a year ago
G Tilgalis played an instrumental role in facilitating my mortgage application process. As a first-time homebuyer, I found his service to be exceptionally valuable. I wholeheartedly recommend Censeo, owing to the outstanding support provided by G Tilgalis.... read more
Debbie Villa
Debbie Villa
a year ago
Censeo was very helpful in helping me working out my finances and secure the property I was after. Mollie and Anthony were great, always happy to help and great at keeping me updated on the progress of my application. Highly recommended.... read more
Jesus Gomez-Escalonilla Guijarro
Jesus Gomez-Escalonilla Guijarro
a year ago
I recently worked with Censeo as my mortgage broker for a shared ownership property, and I am truly grateful for their outstanding service. Ruth and Dwayne were instrumental in guiding me through the entire process.Despite some unexpected hurdles with the EPC ratings for the house, Ruth's expertise and commitment were evident. She navigated the challenges efficiently, ensuring all issues were addressed promptly. Without her proactive approach, I'm certain the process would have been far more stressful.Ruth and Dwayne not only saved me a significant amount of time but also provided unwavering support during what could have been a daunting experience. Their professionalism, attention to detail, and commitment to client satisfaction are truly commendable.I highly recommend Censeo to anyone in need of mortgage services, especially for shared ownership properties. Thank you, Ruth, Dwayne, and the entire Censeo team, for turning a potentially stressful situation into a smooth and successful homebuying experience. Your expertise and personalized approach set you apart, and I am genuinely grateful for your assistance.... read more
Arpad Pal
Arpad Pal
a year ago
We purchased a flat recently and had an opportunity to use Censeo Financial as a mortgage advisor.I have to say, they are very helpful and more then capable to handle all our questions and I will go back to them in the future as well.Thank you G Tilgalis for all your help and the professional service you provided for us.It was a big help for understanding everything as our first buy project.... read more
Makesi Seon
Makesi Seon
a year ago
Anthony and his team were fantastic. As first time buyers they guided us through the entire process, not just helping to secure the best deal but offered further advice with conveyancing and insurance. They were very easy to communicate with, they always responded to emails and we are grateful for the patience they showed.We highly recommend them and will continue to use them in the future.... read more
Rayisa Siryk
Rayisa Siryk
a year ago
As a first time buyer of share ownership I have been advised to contact broker mortgage advisor at Censeo Financial.And Dwayne Simpson the best of the best mortgage advisor. He got the excellent deal for me from the high street bank despite that I have very particular case.I would be always grateful to him for the time and patience to talk to me.Thank you from the bottom of my heart, you have changed my life to the best!!!... read more
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Censeo Financial is a trading name of Censeo Ltd who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products. Censeo Limited is registered in England and Wales, company registration number 06453977, the Registered Address 11b Newton Court, Pendeford Business Park, Wolverhampton, WV9 5HB.

We will charge a broker fee of up to £495, payable on application. The amount we will charge is dependent on the amount of research and administration that is required.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Most Buy to Let Mortgages are not regulated by the Financial Conduct Authority.