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checkmyfile The UK's only Multi Agency Credit Report

Take a FREE 30-day no obligation trial today. Call us on 0800 612 0421 for assistance.

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

Your service is great value and provides more information than all the other providers
MR 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
The service has been excellent, easy to use and very informative
PK March 2014
You are all very helpful and the service you provide is brilliant :)
NE April 2014
Fantastic site, very clear and lots of helpful information!
JD February 2014
You helped me immensely by giving me the right info for removing my brother`s data off my credit report!
MP April 2014
This service is very good and easy to read and understand, far better than [competitor]
SF February 2014
I`m loving this, finally someone who can help me and someone who I don`t feel embarrassed to discuss it with
EM February 2014
I think your service is fantastic, and I have recommended you to a number of other people
EW April 2014
I really like your site, it`s miles better than [competitor 1] and [competitor 2]
SH March 2014
Has been a brilliant service and helped me to obtain the mortgage I needed
SC March 2014
Great service, value for money. Quick response to queries
EW March 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
Service has been impeccable during my time here, with staff proving very helpful with any queries
JT February 2014
Thank you for a fuss free service, I will definitely use again
EJ March 2014
Great service, really helped me get my new mortgage
DR April 2014
Staff were very helpful, well informed and courteous, and the site is easy to understand and navigate
KI April 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
I would highly recommend this service...Excellent *****
RW 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
Excellent service. Thank you for assisting in correcting errors in my credit report
KE March 2014
I have spoken to 3 different staff at check my file and all were polite and extremely helpful - well done and keep up the good work!
DK February 2013
I would like to thank you for the service you have provided me, as it has certainly helped me.
KW November 2007
Thank you very much for the excellent service I have received from checkmyfile.
ML October 2008
I find your service very useful and very user-friendly
LFL October 2012
Thanks for the good service so far and I will use you again in the future, especially as you`re a Cornish firm!
CO June 2008
That`s what I call customer service. Quick and helpful. Thanks a lot.
AP December 2007
I have found this site very helpful and will certainly be back this year as I have a few things that fall off my credit report this year
KW February 2013
Brilliant service, provided me with all the information I needed after having problems with other sites, thanks
SW April 2013
I am writing this e-mail just to tell you that [competitor] charges us 3 times your price, but your service is much better than [competitor].
JJ March 2008
Thank you so much for your help, I really appreciate it. I can`t thank you enough for your help.
MM March 2009
Excellent service from you all here, I wish I had joined sooner!
JD September 2011
Your service has been a help and I will keep your icon in favourites for future use
MH April 2013
It is a fantastic service and I will use again next year
CG October 2012
I have been very impressed with the service I have received with checkmyfile
HD March 2013
Thank you, thank you and at the risk of repeating myself ‘thank you’!
MS December 2008
Thanks so much for your prompt reply. I`m now going to register with checkmyfile.com instead because of the excellent service! Thanks again
JM August 2007
Thanks again for your help – only just signed up for check my file and already thoroughly impressed in the service!
RW March 2013
I love your website. It is very colourful and shows one`s credit score in a clear visual style rather than dull paragraphs
PS February 2012
Your website is fantastic, I used a [competitor] on a yearly account, and this is so much better!
LH April 2008
Many thanks for your speedy and very helpful response - will get straight on to getting things sorted out my end. Once again, thanks.
CC July 2009
Love your service, and enjoy seeing my information (good and bad).
TC April 2010
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 site is really good - very helpful, and really well laid out
DT June 2013
You guys are truly amazing!! Very professional and very speedy :)
IH August 2013
I appreciate your help on the matter and the fact that you are so quick and efficient to respond to my queries.
DR November 2009
It was a fantastic service. I will definitely be coming back soon.
GO July 2012
I think you must have one of the best, most easily navigable and useful sites on the Net.
March 2005
The service was extremely helpful as it collected all the data in one place
PW December 2012
Thanks for prompt reply, I have taken your advice….thank you again for all the help
DP February 2008

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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