Credit History
See what lenders see - up to 6 years of Credit History on every account reported
What lenders see when they access your Callcredit or Equifax credit report, you'll also see in your checkmyfile Multi Agency Report, because the systems we use are exactly the same as lenders use.
Personalise your Credit History
If no lender name is available, or if it's an account you don't easily recognise, you're in control - change it to something personal and more recognisable.
Check the details recorded against each account
Find out how a lender has reported your name, address and date of birth, and check that it's correct and up-to-date.
See when your account history was last updated
Lenders normally update your account history only once a month at each agency and not always on the same date. See when each account was last updated.
Check any account payment terms at-a-glance
Most accounts with regular repayments such as loans report this information. Useful for knowing how much longer an agreement has to run and to check that it matches your expectation.
View the most recent outstanding balance
See what's being reported on your credit file as the amount you owe on each account, from the point of view of the lender.
See monthly and lifetime changes on an account
See how the balance and available credit on each account has changed, both in the past month month and since it was opened.
Check what the 'worst status' has been
As well as checking the payment history of each account, lenders also check the worst status reached since the account was opened. See this for yourself, together with the likely impact on your credit rating.
Get help with jargon
Simply click on any underlined headings on your report to see a detailed description of each item, and what it might mean to you.
No scratching around for contact information
Regularly updated and independently verified contact details for every lender are listed against accounts wherever possible - get in touch with ease.
See the impact your credit history has on you
Get a clear explanation on how your credit history has impacted on your overall chances of being approved for new credit.
See every reported status for up to 6 years
Every status reported by lenders is easily viewable in your history calendar - quickly compare what's been reported to Callcredit and Equifax simply by switching tabs - to see if they match.
Click any status for further detail
Not sure what a payment code means in your history calendar? Simply click on the month in question and get a Plain English explanation.
Understand your borrowings month-by-month
On accounts reported to Callcredit you can see what each lender has reported as being your outstanding balance, what your credit limit was, and the month-on-month change.
Visualise your borrowing
The borrowing chart shows the credit taken against any limit for up to the last 6 years on accounts reported to Callcredit - easily compare how much available credit you had at any time, what your balance was, and see any limit adjustments.
Check the exact balance/limit values in seconds
In addition to the clickable calendar, you can also roll over any plotted point on the graph to see your credit limit, if applicable, and what the account balance was at that point in time.
Watch your debt evolve over time
See the complete history of any credit account simply by scrolling along the graph - giving you an insight into any trends with a particular account. For personal loans or mortgages, you'll be able to see your debt reducing and visualise how your repayment is progressing.
Your Credit Report is likely to contain details of many types of credit accounts you hold or have held in the last 6 years - Credit Cards, Loans, Mortgages, Hire Purchase Agreements, Bank Accounts, Home Shopping, Mobile Phone contracts and many more.
Get Independent, Expert Assistance FREE
As a customer, you'll have access by Freephone and through our secure messaging system to our professionally qualified team of Credit Analysts.
The team has many years' experience helping our customers to resolve issues, correct errors and understand the information held about them at
all three UK Credit Reference Agencies.
Or if you prefer, purchase a one-off Credit Report