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 a...


A Mortgagor is simply someone that borrows money from a lender in order to purchase a property or piece of land. Not to be confused with a Mortgagee (the lender).

What checks will a Mortgagor have to pass?

As part of the process, the lender will run various checks with particular focus on creditworthiness and affordability. To assist with coming to a responsible lending decision, the lender will access the Mortgagor's Credit Report and assess the information it contains.

Any adverse information could cause delays to the application or worse, the application declined.

I’m about to apply for a mortgage – do I need to check my credit report?

The best way of finding out what your Credit Report looks like is to check it for yourself before applying for a mortgage. Uniquely, checkmyfile lets you see and compare data from all 4 Credit Reference Agencies together in the same format.

You’ll be able to check how long information is due to remain on your report and should you find anything that doesn’t look right, our team of Professional Credit Analysts is on hand to give you advice or even dispute it on your behalf.

checkmyfile is free for 30 days, then £14.99 a month. You can cancel online at any time without fuss.

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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