See the bigger picture... Find out what lenders see when they check you
Check your Credit History as reported to Equifax, Experian & TransUnion
Look for differences in what’s been reported
Identify problem accounts, and take steps to minimise their impact
See the types of credit reported from your electric bill to your mortgage
View up to 6 years’ history of your repayment performance
Monitor your credit... See how your borrowing has changed
Using our summary borrowing chart, you can see up to 6 years’ history of your credit usage. This often shows a repeating cycle which you can look to address – such as increasing credit card debt being replaced by a personal loan and a resulting ever-increasing step up in total borrowings.
View your current credit distribution
See a breakdown of your borrowings based on your latest Credit Report, and get an indication of your affordability, which is more closely assessed for sensitive credit applications such as mortgages or secured loans.
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View key changes at a glance
See when accounts are opened in your name, when you close accounts, if you miss a payment, if you enter arrears or if your lender records a default against you.
These key events can make a material difference to your checkmyfile Credit Score, which otherwise varies very slightly month by month, so keeping an eye on them makes it easy to identify a problem before you apply for credit.
