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.
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.
