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More Than Just A Score 
The UK'S Most Detailed Online Credit Report 
See your data from 4 Credit Reference Agencies, not just 1 
Get an independent view with your checkmyfile Credit Score 
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Compare What's Held About You 
See Which Accounts Are On Your Credit Report 
checkmyfile is the UK's most detailed Credit Report, with data from all four Credit Reference Agencies: Equifax, Experian, TransUnion and Crediva. Simple line-by-line comparison lets you keep an eye on everything that's reported about you, in one place. 
Check What's Being Reported 
Ensure Your Payments Are Correctly Recorded 
Check that all reported information is correct including whether or not you have made payments, your personal details and whether the agreements you have are correctly reflected. Look for accounts that are not closed properly and see how your balance and limits where applicable have changed over time. 
Monitor Your Use Of Credit 
At A Glance View Of Your Borrowings By Type 
See how your total borrowings on mortgages, personal loans, credit cards and other accounts have changed over the last 6 years, and keep a track of the overall position currently being reported by organisations on your Credit Report. If you are looking to reduce or restructure your debt, track how your borrowing picture changes. 
Make It Your Own 
Personalise Your Credit Report 
To help you recognise your accounts, to associate them to a more personal purchase such as a car or investment in home improvements, or if you have multiple accounts with the same organisation such as a personal and joint current account, you can change the name of the provider on your Credit Report. 
The UK's First Provider Of Online Credit Reports 
Launched 22 Years, 35 Million Credit Scores & 8 Million Credit Reports Ago 
See How You Score 
An Independent View Of Your Credit Score 
Lenders generally use their own system to work out your Credit Score based on the information in your Credit Report and they often check your information at more than one Credit Reference Agency. Your checkmyfile Credit Score is based on all of the Credit Report information we gather from Equifax, Experian, TransUnion and Crediva to help you better understand how you are likely to be assessed when applying for credit. 
Understand What Is Affecting 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 negatively affecting your score 
Who Is Financially Associated To You? 
See who is reported by Equifax, Experian and TransUnion as being financially associated to you and who impacts on your ability to get credit. Usually these are people you hold a joint account with. The impact of a financial association can be good or bad. 
Get help to remove incorrect financial associations 
Use our online tool to remove inappropriate people from your Equifax, Experian and TransUnion files, and get support from our professionally qualified Credit Analysts who will guide you through the process at each Credit Reference Agency - speeding up the time it takes to get 'disassociated'. 
Electoral Roll Check 
Confirm you are correctly listed on the version of the Electoral Roll reported by Equifax, Experian, TransUnion and Crediva 
Identity Fraud Check 
Get details of Cifas fraud warnings and protective registrations recorded on your Credit Report with Equifax, Experian and TransUnion 
Court Information Check 
Check for any Court Judgments or Insolvency records recorded against you at Equifax, Experian, TransUnion and Crediva 
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