Join more than
4 million Checkmyfile
customers

Better credit health starts with understanding your credit score. By making sense of the detail on your credit report, you could take the steps to start unlocking lower interest rates, better deals, and more.

Take your credit health
into your hands

Your info from Experian, Equifax, and TransUnion in one place – it’s the most detailed credit report you can get. See what lenders could see and uncover tips to improve your credit score. And if something doesn’t look right, our UK-based customer care team can help.

An example of a line graph charting the level of someone's borrowing over the course of three months. There are three lines representing different accounts: one blue, one pink, one brown.

An example of how a customer's search history is displayed in their Checkmyfile account. There are three bar charts, one each for the months of July, August, and September.

An example of how a customer's borrowing timeline is displayed in their Checkmyfile account. The timeline is centred on the month of October, with a green tick below accompanied by the text, 'Opened an HSBC account'.

A green oval shape with a darker green arrow pointing upwards. It says, '35 points' on the oval shape.

A green rectangle shape with black text saying, 'Confirmed on the Electoral Roll'. There is a green tick to the left of the text.

Black text on a white background that says, 'You have a new financial association'. There's a small icon to the left of it featuring the silhouettes of two people on a blue square background.

Step 1

Progress starts here

Whether you’re getting ready for a mortgage, loan, car finance, or tying the knot, big life moments require a big focus on your credit health. A better credit score means you’re more likely to get better deals.

See where you’ve been

Get up to six years of credit history from Experian, Equifax and TransUnion broken down into one manageable format

Where you can improve

Let us help you correct any errors and look into any problems affecting your credit score

Where you’re spending

Keep up to date with your spending and borrowing habits across all of your key credit accounts

Step 2

Grow your score

With a clearer picture of your past, we can give you clear, actionable steps to focus on your present — and progress towards the future. And with daily updates, it's easier than you might think.

The full picture

We show you how each factor in your file affects your score, helping you connect the dots and plan for the future

Mobile phone displaying a credit score of 762

Up, up and hooray

We’ll help you identify actions to help you raise your score, and celebrate the little wins along the way

Habits for a lifetime

Once your score is on the up, we arm you with the know-how you need to keep it rising

Notifications listed on a mobile phone screen

Meet the
Advancers

Thousands have already taken control of their credit health.

Rupert

Checkmyfile was an absolute breeze. It was a very easy process, very transparent and enormously helpful. It provided comprehensive information about my financial position and if there was anything unpleasant lurking in my credit history.

Amber

There were certain payments that I missed that I didn’t think would impact my score so much, because prior to that my credit report was perfect. We're working on our goal to remortgage our house and get a bigger property, our progress has been steady.

Adrian

There is nothing scarier than being a victim of fraud. My feelings before were really worried about what was going to happen, what could be out there that I didn’t know about. Once everything was fixed on my credit report, it was a massive weight off my mind.

Support when you need it

Got a question about your credit report? Reach out to our customer care team. We’ll handle the heavy lifting and make sure you always know where you stand.