We provide the most detailed online Credit Report available in the UK by far. The information held about you can be different depending on which credit reference agency lenders use. So if you want a more complete picture of how you rate, no other service comes close to ours.
The UK's only Multi Agency Credit Report - see more than twice the information
Compare accounts held at two agencies
See a summary of your past and present financial commitments, such as credit cards, mortgages and mobile phone contracts, as reported by Callcredit and Equifax.
Spot problem accounts
See the current status of each account, as well as the worst one - helping you to quickly spot any problems which are affecting your credit standing, to identify dormant accounts that need to be closed, and to watch for early signs of identity fraud.
Dig deeper into any of your credit accounts
Click on any account to see really comprehensive details, as reported by Callcredit and Equifax, enabling you to explore the balance, limit and repayment history.
See where your financial commitments are
The coloured segments of the pie chart shows how the total borrowings shown on your Credit Report are split between five different types of credit, helping you to understand clearly where you owe money.
Too much credit card debt?
Using the detailed breakdown of the amounts outstanding in each type of credit, you can identify whether you can save money either by consolidating static credit card balances to lower cost loans, or by switching balances to a new credit card with an introductory 0% balance transfer offer.
Track your overall financial fortunes
As a checkmyfile subscriber, you can monitor how the total borrowings shown on your Credit Report are moving over time. If you have switched card debt to a 0% card, or have consolidated to a loan, you should see your overall borrowings decrease.
See how your borrowing has evolved
Accounts reported by Callcredit are 'aged' to show a representation of how much you have owed in total at any point over the last 6 years and to enable you to see any trends.
Check your history by the type of credit
Opt to view your total credit, or instead focus only on one category of borrowing. Select your mortgage and see how it has changed with house moves or repayment of the overall borrowing, spot fluctuations in your Credit Card borrowing, or see the effect of debt consolidation and watch loans being repaid over time.
Find out who is financially associated to you
See who is reported by Callcredit, Equifax and Experian as being financially associated to you and who impacts on your ability to get credit. Usually these are people you hold a joint account with. The impact of a financial association can be good or bad.
Get help to remove incorrect financial associations
Use our online tool to remove inappropriate people from your Callcredit, Equifax and Experian files, and get support from our professionally qualified Credit Analysts who will guide you through the process at each credit reference agency - speeding up the time it takes to get 'disassociated'.
We were the first to provide online Credit Reports to consumers in the UK and are the only source of Multi Agency data. Follow the links below to learn more about what makes checkmyfile the UK's most comprehensive report, by far, as well as giving the very best value for money.
Most of our customers get instant access to Credit Reports by answering our authentication questions correctly. Even if you are one of the very few that are unsuccessful, we'll send you a code by first class post to ensure you still get prompt access.
Unlike all other providers, our Multi Agency Credit Reports use data from Callcredit, Crediva, Equifax and Experian at different levels - take a look above to see exactly what we provide.
Your checkmyfile Credit Report is the most detailed available in the UK - by far.
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.