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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Credit Score Estimator

Use this free calculator to get a quick indication of how your credit score might look based on some basic facts about what type of credit you have, and how you’ve maintained it. The information you provide is not stored by us - it is only used to estimate your checkmyfile Credit Score.

Firstly, please tell us your...

Which of the following do you have in your name?

How long have you been with your bank?



In the last 6 years, have you had any:


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Credit Scores Explained

Compare Credit Scores Easily

Each lender and each Credit Reference Agency has its own credit scorecard that’s different to everyone else. Also Lenders often use more than one Credit Reference Agency when they assess you for credit. That makes Credit Scores almost impossible to compare. At checkmyfile we use data from 4 agencies to calculate your checkmyfile Credit Score. You can also see how your Credit Score differs depending on which Credit Reference Agency data is being used. This means you can have a much more accurate understanding of your Credit Score.

What Affects Your Credit Score

See at a glance how the information in your Credit Report affects your checkmyfile Credit Score both positively and negatively. Find out if any differences between what's held at the 4 agencies affects you and get tips on how to improve your score and resolve any issues which are pulling your score down.

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
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An Independent View Of Your Credit Score

Your checkmyfile Credit Score is uniquely based on data from Equifax, Experian, TransUnion and Crediva, giving you a more accurate idea of how you're likely to be assessed by lenders when you apply.

Understand What's Affecting Your Credit Score

See how differences in data held by each agency affect your Credit Score, and get tips on correcting errors and improving your score.


Track how the removal of negative information such as late accounts, defaults or Court Judgments can improve your checkmyfile Credit Score and keep an eye out for the negative effects of adverse information being reported about you.

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