Free Credit Reports
Every single applicant for a mortgage will be subject to a review of their credit file by a lender. We can provide free credit reports, so that the applicant and ourselves can assess the most appropriate mortgage before applying.
Whatever you typed into a search, you can get this info here free. Free Credit Score? Credit Score check? Free Credit Check? Check My Credit Score? Credit Rating Check?
Different lenders use different credit file companies. Some use Experian, some use Equifax. Others use TransUnion. Some use 2 or all of them.
We have teamed up with CheckMyFile, who will assess all 3 companies in one report. This is free for 30 days with easy cancellation. (£14.99 per month if not cancelled)
Check your Credit History as reported to Equifax, Experian & TransUnion.
Look for differences in what’s been reported.
See the types of credit reported from your electric bill to your mortgage.
View up to 6 years’ history of your repayment performance.
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.
Check for Credit Application searches at Equifax, Experian and TransUnion – see how often lenders check with at least 3 Credit Reference Agencies when you apply for credit – see the bigger picture, as lenders often do, by checking data at multiple agencies.