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checkmyfile The UK's only Multi Agency Credit Report

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Credit Report
Credit History
Credit Rating
Electoral Roll
Court Records
Identity Theft

Credit Report

The UK's only Multi Agency Credit Report - see more than twice the information

The most advanced online Credit Report available in the UK by far. Your Credit Report is different depending on which credit reference agency lenders use - if you need to check your Credit Report, we make sure you get the most comprehensive Credit Report available.

Credit Report Account History

Compare accounts held at two agencies

See a summary of your past and present financial commitments, such as credit cards, mortgages and mobile phone contracts, as shown on Callcredit and Equifax Credit Reports.

Spot problem accounts on your Credit Reports

See the current status of each account, as well as the worst one - helping you to quickly spot any problems which are affecting your credit standing, to identify dormant accounts that need to be closed, and to watch for early signs of identity fraud.

Dig deeper into any of your credit accounts

Click on any account to see really comprehensive details, as reported on your Callcredit and Equifax Credit Reports, enabling you to explore the balance, limit and repayment history.

See where your financial commitments are

The coloured segments of the pie chart shows how the total borrowings shown on your Credit Report are split between five different types of credit, helping you to understand clearly where you owe money.

Too much credit card debt on your Credit Report?

Using the detailed breakdown of the amounts outstanding in each type of credit, you can identify whether you can save money either by consolidating static credit card balances to lower cost loans, or by switching balances to a new credit card with an introductory 0% balance transfer offer.

Track your overall financial fortunes

If you subscribe to our Credit Report Monitoring service, you will be able to monitor how the total borrowings shown on your Credit Report are moving over time. If you have switched card debt to a 0% card, or have consolidated to a loan, you should see your overall borrowings decrease.

Credit Report Credit Distribution
Credit Report Borrowing Chart

See how your borrowing has evolved

Accounts reported on your Callcredit Credit Report are 'aged' to show a representation of how much you have owed in total at any point over the last 6 years and to enable you to see any trends.

Check your history by the type of credit

Opt to view your total credit, or instead focus only on one category of borrowing. Select your mortgage and see how it has changed with house moves or repayment of the overall borrowing, spot fluctuations in your Credit Card borrowing, or see the effect of debt consolidation and watch loans being repaid over time.

Find out who is financially associated to you

See who appears on your Callcredit, Equifax and Experian Credit Reports as being financially associated to you and who impact on your ability to get credit. Usually these are people you hold a joint account with. The impact of another person on your Credit Report can be good or bad.

Get help to remove incorrect financial associations

Use our online tool to remove inappropriate people from your Callcredit, Equifax and Experian Credit Reports, and get support from our professionally qualified Credit Analysts who will guide you through the process at each credit reference agency - speeding up the time it takes to get 'disassociated'.

Credit Report Associations

We were the first to provide online Credit Reports to consumers in the UK and are the only source of Multi Agency Credit Reports. Follow the links below to learn more about what makes our Credit Report the UK's most comprehensive, by far, as well as giving the very best value for money.

Up to 6 years' Credit History on all reported accounts

7 Credit Scores & Credit Ratings included in every report

Check your Electoral Roll status at all 3 agencies

Compare your Court Records at Callcredit, Equifax and Experian

Spot Identity Fraud, and benefit from FREE Identity Theft Assistance

Or if you prefer, purchase a one-off Credit Report

You are all very helpful and the service you provide is brilliant :)
NE April 2014
Service has been impeccable during my time here, with staff proving very helpful with any queries
JT February 2014
Fantastic site, very clear and lots of helpful information!
JD February 2014
The service has been excellent, easy to use and very informative
PK March 2014
I would highly recommend this service...Excellent *****
RW February 2014
The service I received was excellent and the site is a joy to use compared to [competitor 1] and [competitor 2’s] dull affair
MG April 2014
Recommended by my financial advisor as it is comprehensive. I agree with him 100%, an easy-to-use crystal clear site
LD March 2014
The service is great as it gives you an overview of what the 3 main credit reference agencies hold on you
MJ April 2014
This service is very good and easy to read and understand, far better than [competitor]
SF February 2014
Great service, really helped me get my new mortgage
DR April 2014
You helped me immensely by giving me the right info for removing my brother`s data off my credit report!
MP April 2014
I think your service is fantastic, and I have recommended you to a number of other people
EW April 2014
Excellent service. Thank you for assisting in correcting errors in my credit report
KE March 2014
Great service, value for money. Quick response to queries
EW March 2014
Thank you for a fuss free service, I will definitely use again
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EM February 2014
No doubt you are the best as I have used other credit reference agencies in the past. ***** star on your report presentation
AK February 2014
Staff were very helpful, well informed and courteous, and the site is easy to understand and navigate
KI April 2014
I really like your site, it`s miles better than [competitor 1] and [competitor 2]
SH March 2014
Your service is great value and provides more information than all the other providers
MR February 2014
Has been a brilliant service and helped me to obtain the mortgage I needed
SC March 2014
Thank you very much for your prompt response and professionalism.
SK July 2009
I just wanted to say that the new information and layout is absolutely brilliant!
LB November 2010
Thanks very much for your fast and detailed response. Your service is superb.
BB November 2012
This is the best credit reference site I have used.
AS June 2012
Been very impressed with your communications by email. Quick, friendly and explained what was happening!
IH April 2006
Thanks, good service and easy to unsubscribe. Very much appreciated.
FA December 2012
Thanks for your help and you have helped me through a significant time, I find your website clear to understand. Thanks again!
AK July 2012
Checkmyfile is absolutely brilliant and can see everything from different agencies in one page
MV January 2014
An outstanding level of customer service that I`ve not ever come across before
SS February 2013
The information was very helpful and well presented. I appreciate the free trial period and the ease of cancellation - no hard
AD July 2013
It is a fantastic service and I will use again next year
CG October 2012
Thank you for your reply. You have answered my questions and I now understand more of the issues in this industry.
CU October 2009
Your service you provided is excellent, with clear precise info. Thank you very much. I gathered what I needed to. Best credit score provider around
ML March 2013
Thank you for my free trial, I found the information very useful and have had my query answered. I would certainly return in the future.
IM July 2012
The service I have received has been outstanding and should I need to check my credit file again I will definitely come back to you. Thanks for your help.
DB February 2013
First time I have seen the new format of the website. It`s superb.
AW January 2011
Thank you very much. For the record, very polite, well mannered and helpful.
SS September 2010
I must say - this is a fantastic website compared to the usual [Competitor 1] and [Competitor 2] choices!
EM January 2014
Just wanted to say how impressed I`ve been with your service.
NW March 2006
A great service, really helped reassure my mind regarding my credit history and credit score
LM May 2013
Excellent! Thanks for all your help. I was starting to go quietly mad trying to get what I thought was a relatively straight forward matter sorted out!
DA April 2008
Thank you for your help, I will definitely get in touch and I will also recommend this website to all my friends. It’s the best £17 I have spent!
AR November 2007
Very impressive service all round and glad I got your web address from a friend.
MS May 2005
I have found the service an invaluable help in restoring my credit rating to 5 star! Thanks to all the team at checkmyfile.com.
CH March 2005
Very good service, much better than [competitor 1] which I have cancelled. Lots of detail
SN February 2013
Excellent service, far the best. Thanks for your great help in seeing all my report in one file excellent, excellent.
GK August 2012
I have found your service the only one on the web that is genuine, and as a legal support professional I will recommend your service above all others.
SG September 2011
Thank you so much for your help! I am much impressed by your excellent and quick service. Would definitely recommend checkmyfile to others.
AA March 2007
The service was extremely helpful as it collected all the data in one place
PW December 2012

To access to your Credit Report instantly, you must answer our authentication questions correctly. If you're unsuccessful, we'll send you a code by first class post to ensure you still get prompt access. Multi Agency Credit Reports use data from Callcredit, Equifax and Experian at different levels - learn more above.

The checkmyfile Multi Agency Credit Report is by far the most detailed Credit Report sold in the UK.

Customer Feedback

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Lowest Price Guarantee

We want you to purchase from us with peace of mind that you are getting the very best value for money and that you know exactly what you are spending.

But we know that sometimes our competitors make special offers, so if you buy from us and find that you could have bought cheaper elsewhere, just log on within 2 days of your purchase and send us a Secure Message, giving us full details and the URL of the website concerned. Once we've verified the price, we'll refund the difference - subject to the conditions below.

Conditions of the Lowest Price Guarantee

To qualify, the product must be substantially similar to our online credit reports and must include all of the benefits that we provide routinely. This offer is limited to one refund per person and is not transferable.

It's really easy to buy from us

We take the absolute minimum of personal details that we need to order your Credit Report. We don't ask you for your telephone number, or mother's maiden name.

You can pay from the widest choice of payment mechanisms available. Our prices are clear and upfront - and where you have a choice of payment frequency, the default is always the cheapest option.

To make sure that we only provide your Credit Report details to you, before we can give you instant online access we try to authenticate you by asking you a series of questions that only you should know the answers to. Should you fail, we send a special code to you by First Class Mail so you can access your Credit Report the next working day.

Once you've seen your Credit Report, any questions you have will be welcomed by our professionally qualified Credit Analysts - you can contact us on our Freephone number, by email or using our Secure Message system, as you prefer.

No music, no waiting on the phone, no foreign call centres.

Accepted Payment Methods: VISA, MasterCard and Direct Debit

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