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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 Rating

See up to 7 types of Credit Ratings and Credit Scores - FREE with every report

You don't have just one Credit Rating, or one Credit Score - most lenders will score you independently using a completely different credit scorecard. Even the scorecards used by credit reference agencies are completely different. At checkmyfile we cut through all of these issues by using the same scorecard for all purposes. This is the only way to compare how you rate at each agency.

7 Credit Ratings

Your checkmyfile Credit Score based on the data seen by lenders

You don't have a single Credit Rating or single Credit Score, as every lender assessing your creditworthiness uses a different scorecard. By using the benchmark checkmyfile scorecard we use your full credit file at Callcredit and Equifax to give you a good idea of how a typical lender will rate you.

Only Lenders can see your full credit file

When your employer or landlord checks your credit history, they can only see a small part of your credit file - just the Electoral Roll and Court Record sections.

Compare your checkmyfile Credit Rating with that of your neighbours

Here the checkmyfile Credit Rating and Credit Score are based on the publicly available Court Records of all people in your neighbourhood. Are you better or worse than your neighbours?

See why you might be falling at the first hurdle

Before actually checking your credit report, many lenders "pre-screen" you using an application score. This uses the information you give on a typical credit application form, with no input from your credit file.

Understand the impact of your Credit Ratings

Find out how your Credit Ratings and Credit Scores will affect your ability to get credit, rent a property or get a job. Nowadays, your Credit Rating and Credit Score impact on many different aspects of your life, and not just those relating to credit matters.

See how you compare to the rest of the UK

Compare your checkmyfile Credit Score against the UK average over the last 12 months - understand where you sit in the wider scale. Just like your own checkmyfile Credit Score, the average moves over time.

Credit Score Slider
Credit Rating Fulcrum

Visualise the good and bad elements of your Credit Rating

Our interactive scales show you the good and bad parts of your credit file that have been used to calculate your checkmyfile Credit Scores. See which elements are helping to boost your score, and what might be dragging it back.

Get detailed help on every input to your Credit Rating

Simply click on the weights on the scales and see why it impacts on you, and what you can do about it.

Quickly compare Callcredit and Equifax data

Many people don't realise that their credit files are different at each agency. Typically one of your credit accounts will be reported to one agency and not to another, and this will affect your Credit Score.

Track checkmyfile Credit Scores over time

As the contents of your credit file changes, so does your Credit Scores, and if the changes are big enough, your Credit Rating will change too. Our bar chart makes it easy to see how your checkmyfile Credit Score has changed over time.

Check your Credit Score historically

Simply roll your mouse over any bar on the graph and see the checkmyfile Credit Score that has been calculated, based on your file at that point in time, for each credit reference agency. You can also look back in time.

Credit Score Slider

We're the most experienced provider of online Credit Scores

We were the first company to lift the lid on credit scoring over 10 years ago, and we currently provide in excess of 10 million Credit Scores every year. Our Credit Scorecard is very similar to that used by the largest lenders in the UK - it was built by the same professionals who supply scorecards to major household names.

We take an honest, impartial view of your creditworthiness, and present it to you in simple terms, with plain English explanations on all parts of the scoring process.

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

Service has been impeccable during my time here, with staff proving very helpful with any queries
JT February 2014
Great service, value for money. Quick response to queries
EW March 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
This service is very good and easy to read and understand, far better than [competitor]
SF February 2014
I would highly recommend this service...Excellent *****
RW February 2014
Your service is great value and provides more information than all the other providers
MR February 2014
Staff were very helpful, well informed and courteous, and the site is easy to understand and navigate
KI 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
Excellent service. Thank you for assisting in correcting errors in my credit report
KE March 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 is great as it gives you an overview of what the 3 main credit reference agencies hold on you
MJ 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
Has been a brilliant service and helped me to obtain the mortgage I needed
SC March 2014
I think your service is fantastic, and I have recommended you to a number of other people
EW April 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
Fantastic site, very clear and lots of helpful information!
JD February 2014
Great service, really helped me get my new mortgage
DR April 2014
I really like your site, it`s miles better than [competitor 1] and [competitor 2]
SH March 2014
You are all very helpful and the service you provide is brilliant :)
NE April 2014
The service has been excellent, easy to use and very informative
PK March 2014
Thank you for a fuss free service, I will definitely use again
EJ March 2014
Many thanks for your help and advice…. and congrats on your excellent service
AR April 2005
I would like to mention how pleased I have been with the service and found the team to be very helpful and informative.
FA August 2012
Many Thanks for your assistance. Your help in a matter like this, makes the subscription I pay very worthwhile.
JE January 2010
Thank you very much for your help and also for your very quick response.
LS April 2005
Excellent service, can`t think of anything you could do better
SR October 2012
Thank you very much for your help...it was your help which enabled me to get through my report....may you be blessed.
AA December 2007
I particularly like the way in which the website is set out and the information presented
JS July 2013
Absolutely superb service, will definitely use again. very clear and easy to use.
GT March 2012
Thank you very much for helping me today. I have just checked - my credit scores went up. Excellent!
IS November 2009
The service offered and assistance given on site is excellent. I would recommend to friends without question
AG August 2013
Hope this helps and I can get access again to the brilliant unlimited service you offer.
MW March 2010
Thanks again - customer care is alive and well in checkmyfile.com!
HM February 2006
Thank you very much for your extremely quick reply. Great customer service, you put some other companies to shame!
CW October 2012
Thank you once again for your very prompt and efficient response. People like yourself are in the minority nowadays.
AJ April 2012
This is a fantastic tool, really useful. I have been rejected for a few credit cards recently, and now I know why!!!
KM December 2008
I`m very impressed with checkmyfile and will use you again in the future if I move back to the UK.
RG April 2012
I have been very impressed with the detail in the report and how easy it is to understand. The website is easy to use and will recommend it to others.
AL April 2012
The website is brilliant and really easy to use and the best I have found.
CC October 2012
Wow, thanks that`s great. I love this website - it`s so easy to use. I`ve told everyone to use it :-)
KSS April 2013
I am very impressed with your company`s service and the website also is very good.
ND October 2012
Fantastic, thank you very much for such a detailed and informative response. Please pass my regards to your Boss for hiring such an asset to your company.
PT March 2006
This is the best credit check site I have used, and I have recommended it to my friends and family.
PM August 2012
Excellent website. Clear and concise credit report, will highly recommend to others. Thanks.
MD January 2013
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
Great service - very interesting to see what accounts I have had over the years
RW April 2013
Thank you for your open and honest trial, I may very well need your services in the future and will remember this good service!
TN July 2012
Thank you so much, you have been fantastic in resolving this issue.
RB July 2010
I think your service is good, and will be back in the future.
MB June 2008
Excellent service and I am sure I will use Checkmyfile again down the line
OS October 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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