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.

What is...


Equifax is one of four UK Credit Reference Agencies, with the other three being Experian, TransUnion, and Crediva.

Equifax receives information about you from lenders, local councils, and other organisations, to compile your Credit Report, a record of your financial history that lenders can examine to determine your creditworthiness, helping them decide whether to accept or decline your credit application.

How do I check my Equifax information?

You can use checkmyfile to see your complete Equifax Credit Report, as well as your data from the other agencies, Experian, TransUnion, and Crediva – ensuring you see everything that a lender will see when you apply for credit.

Your Multi Agency Credit Report is free for 30 days, then just £14.99 a month, which you can easily cancel online at any time.

Equifax's contact information is as follows:

Equifax Ltd
Customer Service Centre
PO Box 10036

Why would I need to check my Equifax information?

Your Equifax information may be examined whenever you apply for credit (such as a credit card or mortgage), rent a property, and even for a new job.

As the data is so important, it’s vital that your Credit Report – at all Credit Reference Agencies, not just Equifax – accurately represents your financial position. Checking your Credit Report before committing to an application gives you the opportunity to address any errors (which while rare, do happen), and ultimately the confidence to apply knowing that you’ve seen everything that a lender will see.

Some mortgage brokers need you to obtain your Credit Report and share a copy with them, before they can find the best mortgage deals for you.

Checking your information can also help protect yourself against identity fraud, as you can monitor any credit applications made using your details. Again, it’s vital to check your information at all four Credit Reference Agencies (Equifax, Experian, TransUnion, and Crediva) so you don’t miss anything important.

Why is my Equifax score different?

Each Credit Reference Agency uses its own methods to calculate your Credit Score, so each one is likely to show you a different number. It is not a reflection on which agency has the most accurate data; instead, having different scores shows how your data will be interpreted differently by different organisations.

Equifax's credit score can range from 300-850, while others can run from 0-1000, which is another reason why your score might not look the same when looking at reports from different Credit Reference Agencies.

These scores are again different to the ones used by lenders, which will factor in their own criteria for assessing your creditworthiness.

The UK's First Provider Of Online Credit Reports

Launched 21 Years, 35 Million Credit Scores & 8 Million Credit Reports Ago

The UK's First Provider Of Online Credit Reports

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