Checkmyfile Review – The UK’s only multi agency credit report

Checkmyfile are currently the UK’s only Multi Agency Credit Report service. With this in mind I thought it was a good idea to do a Checkmyfile review post. So here it is, our Checkmyfile review!

There are many different reasons for wanting to keep an eye on your current credit rating and viewing your credit history. For example, you might have had some issues in the past with paying back some loans or credit cards and be on the road to recovery just now.

Even if you have never had any credit problems in the past you will still want to be sure that your credit rating reflects this and that everything keeps ticking along smoothly. Doing this will allow you to choose from the widest possible range of different types of finance in the future if you choose to do so.

One of the problems commonly associated with checking out your credit history is that the information given isn’t always easy to understand and isn’t always all that detailed. Also, you might see a decent credit score but someone else who does a search on you might see something completely different because they used another credit agency. On Money Bulldog we have always encouraged our readers to get a copy of their credit report from each of the major credit reference agencies do ensure that they are not holding conflicting or incorrect information. With Checkmyfile though, you don’t have to do that. When you sign up for a free trial with Checkmyfile you will easily be able to see credit scores and information from all 3 of these credit reference agencies, those being Experian, Equifax and Call Credit. The service offered by Checkmyfile aims to make it easier for people to fully understand their credit report going forward as well as giving them a comprehensive view of what other people can see about their financial history.

What Do They Offer?

The main benefit to this service is that you can use it to access a lot more information. In fact, they state that by using them you can see twice as much information as you would be using any other UK credit report. This is very important if you want to perform a full financial audit of your own situation to see where you stand, without leaving any stone unturned. This is classed as the country’s only multi agency credit report and you get access to 7 different credit scores, so you can see how your figures look according to the type of person who is searching for you. Of course, with so much data on the reports, you might worry about being able to understand it all. The good news in this respect is that you get some very easy to read reports. For example, there is a smart little graph which lets you see at a glance how you stand. You can also see your payments history over the last 6 years and check whether any court judgements have been registered against you and if they are due to fall off the system and stop affecting you anytime soon.


Other Features

One of the interesting additional features of this service is the fact that there is a section of the report dedicated to helping you spot identity theft. These are provided by 2 different credit reference agencies and could be something which gives a great deal of peace of mind to anyone who is worried about being affected by this crime. If you do discover something worrying in this section then Checkmyfile will work with you to to provide advice on how to resolve the issue and stay protected.  The ability to see details of other people you might be unknowingly financially associated with – people that might well affect your own credit score or report – is also a big plus which could be of interest to a lot of people.

The Cost

Anyone who feels that getting a more comprehensive credit report seems like a good idea but isn’t 100% convinced by it can give the service a try for free. The free trial offer currently up for grabs runs for 30 days and should give you more than enough time to work out whether it is something which helps you keep track of your financial life. After this, the ongoing monthly cost of £9.99 a month seems pretty reasonable for such a comprehensive service, especially when you consider what other credit reference agencies charge for you to track only their own information. Experian charge £14.99 a month! You can also cancel it at anytime you like in the future. If you are interested in keeping track of your credit score then Checkmyfile is a service which seems well worth checking out.

I hope you have found this short Checkmyfile Review post useful. If you want to try the service for free then click here to head on over to Checkmyfile and sign up for their 30 day free trial. 

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4 Responses to Checkmyfile Review – The UK’s only multi agency credit report

  1. Bettylee Harrison says:

    Good info… Thank you…

  2. David Watkins says:

    I signed up to checkmyfile after reading this review. I found out that an account was showing on file that should have been removed.

    I phoned checkmyfile (FREEPHONE number) and they told me exactly what I needed to do. I stayed with them for a further month, after which the issue was fixed :)

    I then phoned up to cancel and got straight through again. Phone call lasted no longer than 30 seconds and all cancelled without ANY fuss!


  3. ngih thomas says:

    signed up to checkmate after reading this review. I found out that an account was showing on file

    had a really positive experience David. That’s good to know

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