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.

About to apply
for a mortgage?

Check the UK's most detailed Credit Report and
go into your mortgage application with confidence

See what a mortgage lender will see

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See how you'll be judged

Take the stress out of your mortgage application

  1. See what mortgage lenders see
  2. Get information you'll need to complete the application form
  3. Get speedy, expert assistance if you need help or find errors
  4. Monitor your Credit Report as your application proceeds
Check your Credit Report before you apply

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

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

Check that everything is correct

Don't let errors wreck your chances

Errors on Credit Reports are rare, but they do happen. An error could mean that your mortgage application gets turned down, either at the outset or on the day before drawdown of funds, when lenders make a final check. If you do find an error, we can help dispute the information on your behalf to ensure it gets corrected as quickly as possible.

Check more than one agency

The UK's only Multi Agency Credit Report

Most mortgage lenders will check more than one Credit Reference Agency when assessing your application. They'll want to know as much as possible about how you have managed credit in the past. Only checkmyfile shows you data from four Credit Reference Agencies, including your full payment history from Equifax, Experian and TransUnion.


Make sure you get the deal you want

Whether you are looking to remortgage with your current mortgage provider, or to switch to a better deal with a different lender, you'll still have to pass a Credit Check before you’re accepted. Don't risk getting stuck with an expensive product – check your Credit Report for yourself and make sure everything is as it should be, before you apply.

With you every step of the way

From application to completion

Before you ask for a Decision in Principle – in fact, even before you use a mortgage calculator - you should check your Credit Report. You'll then have peace of mind before you apply and have much of the information you'll need to complete the application form. If you have any queries during the application process, our professional Credit Analysts stand ready to help. Check your Credit Report again before any final credit checks prior to drawdown of the mortgage to avoid any last minute panics too.

You'll see the most detail when you check with us

The UK's only Multi Agency Credit Report – no one else shows you more

Check your payment history

See what’s being reported about your past

See your payment history, detailed month by month, against each account that's being reported on your Credit Report. Check for accounts you might have forgotten about and make sure that there are no unexpected late payments recorded against you.

See how your borrowing has changed

See how your credit distribution has changed over the years, by tracking how much you've borrowed on things like mortgages, personal loans and credit cards, helping you get a feel for how a typical mortgage lender might view your Credit History.

See what a mortgage lender will see, Free

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

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

Don't compromise, check with the best

A mortgage is likely to be the biggest financial undertaking of your life. The information on your Credit Report will play a crucial part in determining the outcome of your mortgage application. No other Credit Reporting service shows you more detail than checkmyfile.

Expert help and advice when you need it

No matter how you choose to contact us, you’ll get the answers you need, quickly. You’ll find our freephone number on every page. Calls are answered by professional Credit Analysts, not machines. Get in touch via email or Secure Message and we’ll get back to you in no time at all.

See Your Multi Agency Credit Report Free

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

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

We show you more

Lenders can check multiple Credit Reference Agencies, only checkmyfile shows you data from four Credit Reference Agencies.

Electoral Roll check

Mortgage lenders will check that you are registered on the Electoral Roll. You can check all four versions at once with checkmyfile

No search footprints

Checking your own Credit Report won't hurt your Credit Score at all and lenders won’t know that you've checked