Credit Score & Credit Report Articles

We've been helping consumers access their Credit Reports online longer than anyone, so it's fair to say we know a bit about what we do. Here you'll find handy articles covering a range of topics, plus all the latest news on product improvements and features.

Article by Sam Griffin

4th November 2021

Closing A Credit Account — Why Did My Credit Score Drop?

It’s inevitable that you’ll close a credit account at some point — perhaps after finally clearing your mortgage or if you just want to change mobile phone provider. Because of this, we get loads of questions about closing accounts, and what that means for Credit Scores.

Article by Paul Anderson-Riley

18th August 2021

How To Download And Print Your Credit Report

There are several different reasons you might need to print or share a copy of your Credit Report, such as assisting a mortgage advisor during an application, showing a specific entry to a lender, or even just to keep a physical copy for your personal records.

finding your information preparing for a mortgage renting

The UK's First Provider Of Online Credit Reports

Launched 24 Years, 35 Million Credit Scores & 8 Million Credit Reports Ago

The UK's First Provider Of Online Credit Reports

Article by Sam Griffin

31st January 2022

How Do I Change My Address On The Electoral Roll?

A letter from your local council reminding you to register to vote and asking you to confirm that your details are correct for 2020/2021 should have been delivered some time ago. This isn’t a piece of post that should end up in a long-forgotten pile with old bank statements and pizza flyers - it’s something that you need to pay attention to every year, and if you don’t it can affect your ability to get approved for credit.

credit report electoral roll finding your information moving house

Article by Jamie Mackenzie Smith

23rd December 2021

Can I Rent With Bad Credit?

The outcome of the credit checks carried out by landlords or letting agents is a pivotal moment in the application process when you go to rent a property, but the actual information they will be looking at is probably a lot less daunting than you might expect.

renting

Article by Amy Flower

23rd December 2021

Not Listed On The Electoral Roll At Your Current Address?

One of the most frequent queries we receive at checkmyfile is from consumers who know that they are on the Electoral Roll, but this doesn't show on their Credit Report. Find out why.

moving house

Article by Jamie Mackenzie Smith

23rd November 2021

Do I Have A Default? How To Find Out

For lots of lenders, coming across a Default on your Credit Report is a troubling sign. It’s certainly more serious than a missed payment or arrears on your file, which are likely to have less of an impact on your chances of being approved. A Default represents a key moment in the eyes of a lender: it shows that on a previous credit agreement you stopped being a borrower and became a debtor.

finding your information preparing for a mortgage

Article by Sam Griffin

5th November 2021

Which Credit Report Do Mortgage Lenders Use?

Your Credit Report plays a vital role in the mortgage application process, but it’s not always clear what exactly the mortgage lender is looking for or where they get the data from.

applying for a mortgage

Article by Beth Jennings

1st October 2021

Why Searches Can’t Be Removed From Your Credit Report

The Searches section of your Credit Report shows you who has accessed the information on your Credit Report within the last couple of years. This effectively acts as a log of when you’ve checked your own Report, as well as a record of lenders checking as a result of applications for credit in your name. You’re also likely to see searches relating to prospective employers, landlords, insurance companies and other identity checks.

data removal what shows on your credit report

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01872 304050

Credit Score & Credit Report Articles

Closing A Credit Account — Why Did My Credit Score Drop?

How To Download And Print Your Credit Report

The UK's First Provider Of Online Credit Reports

Launched 24 Years, 35 Million Credit Scores & 8 Million Credit Reports Ago

The UK's First Provider Of Online Credit Reports

How Do I Change My Address On The Electoral Roll?

Can I Rent With Bad Credit?

Not Listed On The Electoral Roll At Your Current Address?

Do I Have A Default? How To Find Out

Which Credit Report Do Mortgage Lenders Use?

Why Searches Can’t Be Removed From Your Credit Report

Phone on 01872 304050