{"id":327478,"date":"2020-08-14T13:05:43","date_gmt":"2020-08-14T12:05:43","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=327478"},"modified":"2024-03-27T20:31:38","modified_gmt":"2024-03-27T20:31:38","slug":"checkmyfile","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-score\/checkmyfile","title":{"rendered":"checkmyfile credit score, rating and report"},"content":{"rendered":"<h3>What is checkmyfile?<\/h3><p>checkmyfile is an online-based credit score and report provider that was the first to give UK consumers access to their credit report online. Originally founded in Cornwall in 2000, in 2010 it became the only credit report provider to include data from multiple credit rating agencies.<\/p><h3 id=\"report\">How does a checkmyfile credit report work?<\/h3><p>When you apply for a loan or credit card, the lender will check your credit score and credit report to determine whether they should accept your application, as well as how much they\u2019ll let you borrow and the interest rate you\u2019ll be charged.<\/p><p>Unlike other credit report providers, checkmyfile gives you a credit report based on up to six years of your credit history, and determines your credit score based on data from four of the major credit rating agencies:<\/p><ul><li>Experian<\/li><li>Equifax<\/li><li>Transunion<\/li><li>Crediva<\/li><\/ul><p><img decoding=\"async\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/checkmyfile_screenshot.png\" alt=\"Screenshot of checkmyfile's multi-agency credit report checklists\" width=\"1000\" height=\"441\" class=\"aligncenter size-full wp-image-328718\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/checkmyfile_screenshot.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/checkmyfile_screenshot.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/checkmyfile_screenshot.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/checkmyfile_screenshot.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/checkmyfile_screenshot.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/checkmyfile_screenshot.png?fit=3000 3000w\" sizes=\"(max-width: 3000px) 100vw, 3000px\" loading=\"lazy\"><\/p><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/credit-score\"><strong>All you need to know about credit scores and reports<\/strong><\/a><\/p><h3>How do I get a checkmyfile credit report?<\/h3><p>In order to get your checkmyfile credit report you\u2019ll need to provide personal information including:<\/p><ul class=\"list-1\"><li>Your name and date of birth<\/li><li>Your contact details<\/li><li>Your address<\/li><li>Your card details<\/li><\/ul><p>Once you\u2019ve submitted your personal information, you\u2019ll then receive a copy of your credit report.<\/p><h3>Is checkmyfile any good?<\/h3><p>checkmyfile is the only UK credit report provider to offer data from all the major credit rating agencies in the same report, which may be handy for consumers looking to get a detailed overview of their credit history.<\/p><p>However, unlike some competitors, it doesn\u2019t provide automatic identity fraud notifications or update you when your credit score changes.<\/p><p>And crucially, you can get the same information for free, either by going direct to the credit reference agencies themselves (and asking for statutory copies of your credit file) or by going to similar-but-free services (you may need to register with more than one to gain visibility of all three agencies\u2019 reports).<\/p><h3>How much does checkmyfile cost?<\/h3><p>checkmyfile currently offers a 30-day free trial of its multi-agency credit report, which means you can get free access to your Equifax, Experian, TransUnion and Crediva credit reports for a limited time.<\/p><p>Once your free trial expires you\u2019ll need to pay \u00a314.99 per month for your checkmyfile credit report.<\/p><h3>Does using checkmyfile affect my credit score?<\/h3><p>No, checking or requesting your credit report from checkmyfile will not have any impact on your credit score regardless of how often you check it.<\/p><h3>How do I cancel my checkmyfile monthly subscription?<\/h3><p>You can stop your checkmyfile credit report subscription at any time by email or phone, or by logging in to your account and then sending a message to the checkmyfile customer support. You\u2019ll then receive a cancellation reference code to confirm you have stopped your subscription.<\/p><h3 id=\"improve\">How do I improve my credit score?<\/h3><p>If your credit report or credit score is lower than you\u2019d like it to be, there are a couple of things you can do to help improve it, including:<\/p><ul><li>Paying your bills on time<\/li><li>Closing any unused credit accounts, such as old credit cards or bank accounts<\/li><li>Registering on the electoral roll and making sure your address is up to date<\/li><li>Regularly checking your credit report for any errors<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>checkmyfile is the UK&#8217;s only credit report provider that uses data from four of the major credit rating agencies. <\/p>\n","protected":false},"author":748,"featured_media":327663,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3638],"tags":[2562],"asset_tag":[],"class_list":["post-327478","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-score","tag-finance-homepage-news"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>checkmyfile credit score, rating and report - Finder UK<\/title>\n<meta name=\"description\" content=\"checkmyfile offers the most comprehensive credit report in the UK, with data from Experian, Equifax and TransUnion. 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