Multi Agency Credit Report
30 Day Free Trial (Cancel Anytime)
CheckMyFile is the UK’s only Multi Agency Credit Report; whether you’re looking for a new credit card, moving jobs or house, trying to manage your finances, or perhaps you were refused credit and didn’t know why, you should regularly check your report. It’s your financial passport; companies always look at it and decide about you based on its information.
So check yours using the most detailed online Credit Report available in the UK to obtain the complete picture and ensure the information there is correct.
The more you know about what’s on your report, how it’s used and what you can do to improve it, the better your chances of getting the mortgage you need at the best rates and ensuring that no one is using your name or details fraudulently.
Regularly checking your credit file empowers you to control your financial information, detect potential issues, and take proactive steps to protect your financial health.
- Identity Theft Detection: Monitoring your credit report helps detect any unauthorized or suspicious activity early on. If someone steals your identity or opens fraudulent accounts in your name, you can take action before severe damage occurs.
- Accuracy: Errors in your credit report can negatively impact your credit score. Regularly reviewing your information lets you catch and correct any inaccuracies, ensuring your credit history is represented correctly.
- Credit Score Improvement: By monitoring your credit report, you can identify areas where you need to improve your credit behaviour, leading to a better credit score over time, resulting in better loan terms and interest rates.
- Loan Approval: Lenders use your credit history to assess your creditworthiness when applying for loans, cards, or mortgages. Regularly checking your credit report helps ensure your credit information is up-to-date and favourable.
- Financial Planning: Monitoring your credit report lets you understand your financial health clearly. This information is crucial for making informed decisions about borrowing, budgeting, and managing your finances.
- Fraud Prevention: If you spot any signs of identity theft or fraudulent activity, you can immediately prevent further damage and protect your financial well-being.
What's on your credit report?
- Your credit cards, loans, mortgages and other credit account activity
- Your payment history for the last 6 years
- Details of who’s looked at your credit report
- Details of people you’re financially connected to
- Other addresses you’re linked to
- Other names you’ve been known by
- Your registration on the electoral roll
- Details of any bankruptcies, insolvencies or court judgments
Ongoing subscription price of £14.99 after the free 30-day trial period