Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

CREDIT REPORT SERVICES AND ONLINE EXPERT HELP ARE FULLY OPERATIONAL - PHONE LINES ARE CLOSEDCOVID-19 STATUS

ONLINE SERVICES FULLY OPERATIONAL
PHONE LINES ARE CLOSEDCOVID-19 STATUS

How to Download and Print Your Credit Report

Posted by Paul Anderson-Riley in Credit Reports on 6 January 2020 - Paul is a Credit Analyst at checkmyfile

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.

With that in mind, we've made it a piece of cake for checkmyfile customers to securely download and print their Multi-Agency Credit Report, whenever they wish. The layout has been simplified to make it easy to read – so bear in mind that it won’t contain every single piece of detail that the online version does – but you can still see your Public Information and full Credit History reported by Equifax, Experian and TransUnion, with Public Information from Crediva.

Step 1: Log in or sign up to see your credit report

If you haven’t already, you will need to sign up to checkmyfile to view your Credit Report online before you can download it. You can try us free for 30 days, and then it’s £14.99 a month, which you can cancel online, by email or via our freephone number.

It typically takes less than 5 minutes to sign up via computer, tablet, or smartphone and in most cases your Credit Report will be available to view online immediately,as long as we are able to authenticate you online as part of our security checks.

For regular and returning customers, you can log in to your account and if necessary reactivate your subscription at any time to ensure you’re looking at the most up-to-date version of your Credit Report. If you’re unsure how to do this, follow our guide to updating your Credit Report.

Step 2: click 'Download Printable Report'

Once your Multi-Agency Credit Report has been generated, click the ‘Download Printable Report’ link, found at the bottom of your Credit Report. If this option doesn’t show for any reason please get in touch via email, secure message through your account, or call us free on 0800 086 9360 and we will assist you further.

You’ll need to have Adobe Acrobat or similar PDF reader installed in order to view your Report once it has downloaded. You will also need your unique password, which appears on screen when the ‘Download Printable Report’ button is clicked.

Once you have clicked the ‘Download Printable Report’ link you will be prompted for the download password. Once this has been entered, a PDF version of your Credit Report will download, which can then be printed.

Remember that unlike your online Credit Report, a downloaded version will not update. In order to view an updated copy of your Report, you’ll need to log in and view the information online. checkmyfile Credit Reports are updated monthly, to match the frequency with which most lenders provide updates to the Credit Reference Agencies.

Step 3: Save or send your Credit Report as a PDF

It is very important that you treat any downloaded or printed copy of your Credit Report as securely as you would the online version.

Once you have downloaded your Credit Report, delete any temporary or cached internet files from your computer and be sure not to leave it open on your screen. Once you no longer need the printed copy, it should be destroyed.

If you plan on keeping your Credit Report as a PDF on your computer, we recommend keeping it password protected due to the amount of sensitive information held. We also recommend encrypting the document if you intend to send this by email at any point.

On most mobile devices you will have the option to save the document or send it as an attachment via email, but you might want to ensure that your device encrypts emails before sending them to make sure you get the highest level of security when sending someone a copy of your Credit Report.

Finally, it goes without saying that you should only provide a copy of your Credit Report to people you trust.

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How to remove Financial Associations

A Financial Association is another individual with whom you’ve had some financial connection – usually a spouse or partner or family member. Once a Financial Association has been created, it will remain on your Credit Report indefinitely, until you manually request to have it taken off.

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Other names on my Credit Report

Your Credit Report is a detailed record of your financial history – one that is central to all sorts of major life events, like applying for a mortgage, a new car, or even a job. Unexpectedly finding another person’s name on your Credit Report can therefore understandably cause a bit of a shock.

Published on 19 Feb 2020 by Sam Griffin

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The Advantages of a Multi-Agency Credit Report

These days your Credit Report can be checked for any number of reasons throughout the year, including background checks during job applications, landlord checks and even from insurance or utility providers when you shop around for quotes.

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Disputing a Late Payment or Arrears Marker on your Credit Report

Many of us have been there – we have too many things on our mind so we may have missed a payment on our credit card or loan. But what happens when you check your Credit Report and spot a late payment or case of arrears that you know aren’t correct? Where do you stand and what can you do to rectify the error?

Published on 7 Feb 2020 by Kirstie Brown

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Why do organisations share my personal data?

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Published on 4 Feb 2020 by Sam Griffin

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