Free Credit File Check
See exactly what mortgage lenders see — check your full credit report across Experian, Equifax, TransUnion and Crediva before you apply.
Why Check Your Credit File?
Your credit report is one of the most important factors in your mortgage application. Lenders use it to assess your reliability as a borrower, and even small errors can lead to a declined application or higher interest rates.
By checking your credit file before you apply, you can:
Spot & Fix Errors
Incorrect addresses, wrong payment statuses, or accounts you don't recognise — catch them before lenders do.
See All 3 Agencies
CheckMyFile shows your data from Experian, Equifax, TransUnion and Crediva in one report — lenders use different agencies.
Understand Your Score
Know where you stand and what areas need improvement before committing to a mortgage application.
Get Mortgage Ready
A clean credit file means better rates, more lender options, and a smoother application process.
Check Your Credit File for Free
Get your multi-agency credit report through CheckMyFile — the UK's most detailed credit checking service. Start your free trial and see what mortgage lenders see.
Get Your Free Credit ReportProvided by CheckMyFile. Free 7-day trial, then £14.99/month — cancel anytime. Amazon Mortgages may receive a referral fee.
How It Works
- Sign up for a free trial — it takes just 2 minutes with no impact on your credit score.
- View your full report — see data from all four credit reference agencies in one place.
- Identify issues — spot errors, old addresses, or financial associations that could affect your mortgage.
- Take action — dispute errors and improve your profile before applying. See our guide to improving your credit score.
Why We Recommend CheckMyFile
Most free credit score tools only show data from one agency. But different mortgage lenders check different agencies — so you need the full picture. CheckMyFile is the only UK service that pulls your report from all four agencies (Experian, Equifax, TransUnion, and Crediva), giving you the most complete view of what lenders will see.
Need Mortgage Advice Too?
Our fee-free advisors can review your credit situation and find lenders that match your profile.