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.

Been Turned Down
by Santander?

Check the UK's most detailed Credit Report
and find out why you might have been rejected

Ensure your Credit Report is error-free

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Check what's held about you

Put yourself in a lender's shoes

  1. See what lenders like Santander can see
  2. With data from 4 Credit Reference Agencies, not just 1
  3. Spot potential reasons for Santander turning down your application
  4. Check for errors and make sure everything is correct
  5. Get direct access to professional Credit Analysts
  6. Really easy to cancel - by Freephone or even online
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

Why did Santander turn me down?

First things first, check your Credit Report

Santander lent over £25bn in mortgages in 2016 alone. It’s one of the biggest lenders in the UK and isn’t averse to saying ‘yes’. If Santander rejected your application for a mortgage, credit card, loan or overdraft, there’s a good chance that the reason lies within your Credit Report – so you should check it yourself.

What can I do about it?

Make sure your Credit Report is free of errors

Santander uses data from Equifax, Experian and TransUnion when it checks your application. Checkmyfile gives you the most comprehensive Credit Report data by far to enable you to see what Santander sees. Check for rare but devastating errors. Or for other people, financially connected to you, who may have issues that you don’t have and which may have triggered a decline.

What does my Credit Report show?

6 years of credit history under a microscope

Santander will check your Credit Report to assess how you’ve managed credit accounts in the past, including whether you’ve made payments on time, any court information recorded against you, whether you’re on the Electoral Roll, who you’re financially linked to and much more besides.

How will checking help?

See if you could you improve your Credit Rating

Santander isn't the only lender out there. By knowing for yourself what a typical lender can see, you can fix any errors faster and get your Credit Report in shape before you apply elsewhere. See when information is due to be removed automatically and take steps to improve your Credit Rating with expert support included.

Santander Credit Policies

Use our expert knowledge

Not all declines are down to what's on your Credit Report. Santander is big on affordability. It doesn't like it if you are not on the Electoral Roll, or don't have an auditable 3 year address history. It won't lend if you have a judgment or insolvency, or if you are over 75. Our professional Credit Analysts can help you to understand why you have been turned down by Santander, and to help you to appeal the decision, where appropriate.

The UK's First Provider Of Online Credit Reports

Launched 18 Years, 35 Million Credit Scores & 8 Million Credit Reports Ago

See the most detail with us

A Credit Report like no other

Santander and lenders in general will use their own system to work out your Credit Score and will often check your information at more than one Credit Reference Agency. Only checkmyfile shows you your Credit Report based on data from all 4 UK Credit Reference Agencies together, with full Credit History information as reported to Equifax, Experian and TransUnion – giving you a better idea of how lenders will judge you.

Top rated customer service included too

checkmyfile has been consistently ranked as the top Credit Report provider for customer service on independent review site Trustpilot for years. Get speedy access to expert Credit Analyst support via freephone, email or secure message, should you need it.

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

Could other people be affecting you?

If you're financially linked to someone else, Santander will have assessed their Credit History as well as your own before coming to a decision. If that person's Credit Rating isn't as strong as yours, it could negatively influence the decision.

Get help to remove incorrect financial associations

If you have financial links that are no longer applicable, simply use our online tool to remove them from your Equifax, Experian and TransUnion files, with expert support from our professionally qualified Credit Analysts who will guide you through the process - speeding up the time it takes to get 'disassociated'.

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

Electoral Roll Check

Ensure that lenders like Santander can successfully locate you on Electoral roll at all 4 Credit Reference Agencies

Court Record Check

Check for any Court Judgments or Insolvency records recorded against you at Equifax, Experian, TransUnion and Crediva

Your Credit Searches

See how the number of credit applications searches being reported on your Credit Report compares to the UK average