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.

Lifetime Change

What is Lifetime Change?

Lifetime Change can be defined as the difference in the opening balance and the current balance reported by lenders.

This is particularly useful for credit agreements with a set time limit and regular payment amount such as a mortgage or personal loan. This allows you to quickly see how much your account balance has changed and how it has affected your overall credit commitments.

Q: How often is it updated?

A: A new checkmyfile Credit Report will be generated once a month, however it can take up to two months for new information to show on your credit report so your balances may not exactly match up with what the lender is reporting if you approach them directly.

Q: How can I find this information on my report?

A: You will be able to find this information for each relevant account by clicking ‘View’ on each account in question followed by the Account Details icon in the top right. This will provide you with the details of each account including the lifetime change if relevant.

You will also be able to see how your balances have changed when using the interactive borrowing history chart.

You can try checkmyfile FREE for 30 days, then for just £14.99 a month afterwards, which you can cancel online at any time.


Jargon Buster

Use the links below and the resulting list of terms on the right to locate the term you are looking for. If you can't locate it, please get in touch.