What is Check My File?
Checkmyfile is a credit reporting website with a difference.
Most websites will provide you with information from just one credit reference agency (CRA) - such as Experian, for example - but Checkmyfile gives you access to the data held by the four main CRAs:
- TransUnion (formerly Callcredit)
This way, you can get a better idea of what lenders and creditors can see when checking your eligibility to borrow money, also known as creditworthiness.
Checkmyfile was the first credit-checking site to give borrowers easy access to their credit score and report online.
Since launching 20 years ago in 2000, they have provided 35 million credit scores and 8 million credit reports to consumers across the UK.
How does Checkmyfile work?
You are able to sign up to Check My File by completing a simple form, which asks for your basic personal information and your credit or debit card details.
Is CheckMyFile free?
It is free for the first 30 days, following which you will need to pay £14.99 monthly if you want to continue using its services.
You can cancel online anytime, however, so you won’t be charged anything if you deactivate your account before the end of your 30-day trial.
Once you have signed up, you will be provided with credit information held on you from Equifax, Experian, TransUnion and Crediva, including the following:
- Active accounts
- Adverse accounts
- Electoral roll information
- Addresses you’re linked to
- Financial associates
- Court judgements and insolvencies
- Fraud warnings
- Recent credit applications
You are then able to delve further into each category for more in-depth information if you require it.
Checkmy File will also provide you with a unique credit score, as well as expert advice and tools to help you improve your credit rating in the future.
Is it the best credit score site in the UK?
Rather than you using just one online credit score checker like Experian, Equifax, TransUnion (previously known as CallCredit) or Crediva, Checkmyfile uses all four!
This way, you get a more detailed report of your credit history and you get it in a way that’s simple to understand.
By providing you with information from all four CRAs, Checkmyfile is able to provide you with an all-in-one service that has all the data you need to know about your finances.
You don’t have to worry about signing up to three or four different credit score websites to get the full picture, Checkmyfile has it all!
Whether or not it’s the best credit reporting site for you depends on your needs – Checkmyfile is great for those that want to see information from a wide range of sources, but there may be other sites out there that provide you with slightly more detailed information on just one CRA, so you may want to explore your options.