About Us

Independent Information Experts

We are the UK's leading supplier of personal credit reports to consumers.

In March 2000, we were the first company in the UK to give consumers online access to credit reports.

We were the first in the world to provide consumers with access to personal credit scores and credit ratings.

Founded in 1999, Credit Reporting Agency Limited is a privately owned company, funded independently without reliance on any institution and with no link to any government agency. Full independence enables us to give impartial, unbiased and objective advice, helping you to take control of the information held about you. Currently, we have over 1.8 million customers.

We were the first to use credit scoring as a tool to help consumers find lenders matched to their credit ratings, helping consumers to find cheaper credit more easily and to reduce the risks of being declined.

checkmyfile is a trade mark of Credit Reporting Agency Limited, a private company registered in England, company number 3719598. Our registered office is at Chynoweth House, Trevissome Park, Blackwater, Truro, Cornwall, TR4 8UN.

Credit Reporting Agency Limited is a credit reference agency notified with the Office of the Information Commissioner under the Data Protection Act 1998, registration number Z6636832, and licensed under the Consumer Credit Act 1974, licence number 465830. Our terms and conditions were originally approved by the Consumers' Association under the Which? Webtrader Scheme which checkmyfile operated under throughout the term of that scheme.

Our VAT number is GB 738 731 215.