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checkmyfile
The UK's only Multi Agency Credit Report

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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.

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

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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