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.

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What Lenders See?

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See The Bigger Picture

Find Out What Lenders See When They Check You

  1. Check your Credit History as reported to Equifax, Experian & TransUnion
  2. Look for differences in what's been reported
  3. Identify problem accounts, and take steps to minimise their impact
  4. See the types of credit reported from your electric bill to your mortgage
  5. View up to 6 years' history of your repayment performance
See Your Multi Agency Credit Report Free

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View 6 Year's History

Check whether your payments have been correctly recorded for up to 6 years and identify any unexpected statuses in a snap

Track your balances

See every balance and limit (where applicable) for up to 6 years - understand how you've utlilised your credit

Check the detail

View all of the data reported on each account, check the account details and the terms of any agreement are correctly reported

Expert help on tap

Query on an account? Help by secure message from our professionally qualified Credit Analysts is a single click away

Contact your lenders

Access regularly updated contact details for lenders on your Credit Report to save hunting for phone numbers or email addresses

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We've Been The Highest Ranked Credit Report Provider On Trustpilot Since July 2015

Monitor Your Credit

See How Your Borrowing Has Changed

Using our summary borrowing chart, you can see up to 6 years' history of your credit usage. This often shows a repeating cycle which you can look to address - such as increasing credit card debt being replaced by a personal loan and a resulting ever increasing step up in total borrowings.

View Your Current Credit Distribution

See a breakdown of your borrowings based on your latest Credit Report, and get an indication of your affordability, which is more closely assessed for sensitive credit applications such as mortgages or secured loans

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Try it FREE for 30 days, then £14.99 a month
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View Key Changes At A Glance

See when accounts are opened in your name, when you close accounts, if you miss a payment, if you enter arrears or if your lender records a default against you.

These key events can make a material difference to your checkmyfile Credit Score, which otherwise varies very slightly month by month, so keeping an eye on them makes it easy to identify a problem before

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Try it FREE for 30 days, then £14.99 a month
Cancel anytime

View 2 Years' Search History

Find Out Who Has Been Searching You And Why

Check for Credit Application searches at Equifax, Experian and TransUnion - see how often lenders check with at least 3 Credit Reference Agencies when you apply for credit - see the bigger picture, as lenders often do, by checking data at multiple agencies.

See Who Affects Your Credit Score

Unexpected Or Out Of Date Association?

See who is recorded as being financially associated to you at Equifax, Experian and TransUnion - these associations can be created when you apply for a joint account or guarantee a facility and do not automatically expire. Our team of professionally qualified Credit Analysts can help remove anyone who is no longer financial associated to you.