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checkmyfile The UK's only Multi Agency Credit Report

Take a FREE 30-day no obligation trial. Call 0800 612 0421 9am-5pm, Monday to Friday for help.

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

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.

Electoral Roll

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.

Electoral Roll

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

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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.

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