Credit Rating
What is your credit report?
Your credit report, otherwise known as "credit history" or "credit file", is a collection of information about you and your finances. This is continually gathered by credit reference agencies such as Equifax and Experian to ensure it is as accurate and up to date as possible.
Lenders use all this information to make decisions based on their own lending criteria.
As the information changes constantly, it is advisable to check it regularly.
What Information is Included in Your Report?
Your name and any variations of your name
Your date of birth
Previous addresses if provided
Current address
Credit accounts and history
Public records (bankruptcies, civil judgments, etc)
Electoral Roll information
Records of enquiries or searches made by lenders on your file.
Check My File provide the service you need if you want to improve your credit standing, or find out why you have been declined credit. Their search provides information against your current address and any previous addresses linked to that address. As well as providing independent advice and explanations, written in clear plain English.
It also includes details of your Electoral Roll information, Court records, searches made against you, the impact of your postcode on your rating, any mortgage problems, any fraud or gone away warnings and notices of correction.
Click the banner below to get your credit file now!
Account Benefits
- No Credit Checks
- Quick Activation
- Debit Card
- Low Cost
- Bankrupts welcome
- Easy to use
- Online banking
- Standing order facility
- No late payment fees
- Available to all
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Credit Rating
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