Check Your Credit Report

See what lenders see. Get your comprehensive credit report from Equifax, Experian, and TransUnion in one place with Check My File — and give us the insight we need to find the right lender for you.

Equifax, Experian & TransUnion

No Impact on Your Score

Get Your Credit Report

What Is a Credit Report?

Your credit report is a detailed record of your financial history, compiled by the UK's three main credit reference agencies: Equifax, Experian, and TransUnion. It includes your personal details, credit accounts, payment history, and any public records such as CCJs.

Lenders use this report to assess your creditworthiness whenever you apply for a mortgage, loan, or finance facility. Knowing what's on it before you apply gives you a clear advantage.

Why It Matters for Property Finance

When you apply for Property Finance, bridging, or development funding, lenders review your credit report to gauge risk. A strong report can mean better rates, higher LTVs, and faster approvals.

Errors or missed payments you didn't know about can hold up an application or cost you thousands. Checking your report first lets you fix issues before they become problems.

How It Works

Checkmyfile brings together data from all three UK credit reference agencies into one easy-to-read report. You'll see your credit score from each, side by side, plus the full detail behind them.