Check My File

Free Trial £14.99 View Report

Overview

After using Check My File we have assessed their overall service and offered you the complete details in this review.

The reliable service is one that many are probably familiar with and that’s because they offer a wide-range of services and have not only a complete fraud protection service in place but also a scrupulous tactic for monitoring your credit report.

Their multi-faceted credit analysis gives us a chance to enjoy an in-depth look into how our score is conducted and they also have features that show historic credit scores, identity theft protection and easy dispute assistance.

Summary

What We Liked:
  • The most in-depth information of all tested services
  • Easily rebuild your credit file with their helpful tips

We Didn't Like:
  • Similar to other sites

Your 'Check My File' Report

Check My File is a fantastic service for those looking to view their credit report. Make sure to sign up today to find out yours!

Free 14.99
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About Check My File

This credit expert company formed back in 2000 and they soon began to grow in popularity as the only business of this kind to offer multi-agency reports. They now have over 200,000 customers and have a call centre based in the UK.

They’ve received several bespoke awards in their time and they all seem well-deserved but before taking anyone’s word for it, we decided to head on over and take a look at what they offer for ourselves.

After Check My File was formed in March 2000, they started to provide UK consumers with access to the reports online along with other personal information they may need.

Check My File

Check My File was the first British company to give consumers online access and they remain the only British company to provide reports from all 4 credit reference agencies.

If you would like to find out more about your credit reports, please have a look around the rest of our website.

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Signing-Up

The monthly service that includes all of their wonderful features is available for £14.99 a month, which beats many of their rivals but you can also enjoy a free credit check, free credit report and more with the month’s trial.

That’s right- you can embrace all they have available without paying a penny and if you like it, then you can continue to use their on-going package and cancel at any time.

It’s simple to signup and as soon as you visit their homepage you will be witness to many details about what they provide and if you’re not convinced then you can click onto their tab offering free multi-agency reports for free.

This won’t cost you a penny just signup to the trial and cancel it once you’re done.

The Check My File login is extremely easy to figure out, so you won’t need to worry about signing up. For details on other credit report sites, please check out our reviews.

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How Often is Data Updated?

Obviously, a credit score does not stay the same, it changes due to its algorithm and this is affected by your income, credit to date, late payment and now more intricate details that you may not even be considering. This means that your score is forever changing, it usually takes four to six weeks to change and when it does CheckMyFile will update it accordingly.

You can expect the data to be regularly updated and just the same way lenders will update their files, so your score is likely to be updated every four to six weeks.

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Depth of Information

There’s vast information available from this service as they offer a multi-agency look at your report ensuring a complete level of accuracy, this is almost unheard of so you will find it hard to beat them when it comes to the report itself.

The breakdown of the report is a comprehensive one too with a list of ways to improve your score, check different items and also browse the historic view.

Improve Your Credit Score

What’s great is that they don’t just show different items but they tell you what compromises your score and how they have reached the particular score that they’re displaying.

They also help you look for credit and lenders, they show a various creditors and help you find ones tailored to your needs. There’s information in abundance and it can all be enjoyed with their free trial.

If you wish to read more reviews like this one, we would highly recommend our My Credit Monitor review.

What you get with the Free Credit Report?

  • See data from four credit reference agencies with their mult-agency platform
  • Get the CheckMyFile independent credit score
  • Fraud protection and assistance if you are victim
  • Cancel via their website or Freephone number
  • Your personal data is secure
  • High ratings on Trustpilot

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Services & Features

This credit report website is like no other- find what service sand features are available at this site by signing up within seconds. You will be able to get a detailed report that doesn’t just help you breakdown your score but also gives you various scores from numerous agencies opposed the ordinary one credit score that most give.

You shouldn’t worry either- they help you understand it and conclude with their own score that can be trusted as it accurately assesses all the others and takes other factors into account.

Check My File really take a good look at what your credit score and help you understand it as thoroughly as they do, they simplify all the hard to understand parts about credit and give it to you in a way you can comprehend.

If you wish to find a site with similar services, have a look at our Equifax Review.

The most striking feature has to be the multi-agency report that gives you a number of reports from different agencies. But they also offer identity protection and on-hand expert assistance too.

They are the most helpful company that we have used and although they haven’t included social media searches and other technology they have definitely made up for that with their detailed assessment and great help.

Their features include:

  • Multi-agency reports (from four separate agencies)
  • Historic view and breakdown of credit scores
  • Credit usage analysis
  • Explanation of credit reports and how they reached their score
  • Online error reports for disputes
  • Find creditors likely to accept your application as they recommend the best for you

It’s vital to use services of this kind especially if you are considering applying for a loan, credit card, mortgage or signing a tenancy agreement as they will all carry out some form of check.

If they were to reject you then this affects you going forward, Check My File have a full list of options sure to help you on your quest and in addition to the services mentioned you can also call them about anything you’re unsure of.

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Dispute Process and File Correction

Part of their bundle includes dispute and file correction. Those wondering what this is should know that of a creditor rejects you and you feel that they have inaccurately reported your credit score, then you can appeal.

Each time somebody rejects your application this has a detrimental effect on your credit score and that makes it even more important to address.

Credit Score Advice

If you feel it is inaccurate but are hesitant on escalating the situation then you can now enjoy the help of Check My File credit reports and their team, they will tell you if you should appeal and then help you do so.

It’s vital to have a team of experts like this behind you when going ahead with an appeal as they can see where exactly the lender has gone wrong.

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Ease of Use

The website is easy to use and you can sign up in less than a minute, the reason it’s so easy to utilise is because they don’t try and confuse you with overly complex terms and tactics, they simply break it down and help you understand.

That’s the point, right? So we should expect to be able to use a service we are paying for or even trialling, and this is one of the easiest to use. You don’t need to be a regular user or have experience, just join their site and enjoy all they have available for you.

Most of the sites we review are easy to use. Check out our Experian CreditExpert Review for more information on other sites that are also easy to use.

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Safety and Security

When signing-up you’ll need to not only provides personal details but you will need mobile phone contracts, utility bills and your address. After that, you then will need to authenticate your membership. Once you have finalised you can enjoy the safety of all your information, none of it is sold or shared and even their employees have limited access.

They are very professional about how they handle your information and you’ll be glad to know that they ensure you have strong password and also provide SSL security to ensure safety during all times.

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Support

Get support from their team- they send out regular advice and other views of items on your credit report.

One of their biggest selling points includes how they offer your information and in addition to this they are always available when you call or e-mail them. Get hold of their customer service and ask for any help that you may need.

Their contact number is 0800 612 0421, they are general open from 8am until 6pm, Monday to Friday. Saturday their call centre is open from 10am until 4pm.

You can also write to them at:

Check My File
Chynoweth House
Trevissome Park
Truro
TR4 8UN

Cancellations

Cancelling your membership at Check My File is quick and easy, so you don’t need to worry if this is something that is stopping you from signing up. All you need to do is log in and send CheckMyFile a message, email them or call them on their freephone number. They will be able to sort out the cancellation and send you a reference code to confirm.

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Our Verdict

This is one of our favourite picks as they offer something that many don’t; they bring a personal touch and an influx of much-needed information on credit reports. It’s not complicated and they simplify all the data and also expand on it with ways we can start improving our credit score and more.

There really is a lot of information available on their website and via the membership, plus they also have dispute features, free identity theft risk assessment and identity protection features.

Despite the lack of fraud software and social media browsing they do have a number of features and you certainly get value for money.

Although they lack the previous, they have a lot to showcase and their customer friendly approach helps you improve your score.

9.1 Total Score
Check My File Review

Overall, we think that Check my File is a good site to sign up to if you are looking for a full credit report. There are plenty of services and helpful tops to build up your credit file.

9.1Editor's score
Data
10
Support
9
Ease of Use
8.5
Value for Money
9
8.7User's score
Data
8.6
Support
8
Ease of Use
9.6
Value for Money
8.6
PROS
  • The most in-depth information of all tested services
  • Easily rebuild your credit file with their helpful tips
CONS
  • Similar to other sites
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5 Comments
Show all Highest Rating Lowest Rating Add your review
  1. 4.75
    Data
    80
    Support
    100
    Ease of Use
    100
    Value for Money
    100

    Lots of really amazing tips here that really helped me!

    + PROS: Great information in plenty of detail!
    - CONS: Not many differences to other sites.
  2. 4.25
    Data
    80
    Support
    80
    Ease of Use
    90
    Value for Money
    90

    The Check My File promo codes and welcome offers through this site helped me get the account set up superbly.

    + PROS: Good value to get credit scores
    - CONS: Not the biggest data set but good enough
  3. 4.1
    Data
    100
    Support
    60
    Ease of Use
    100
    Value for Money
    70

    Really glad I signed up to this site. Was easy to use and gave me a lot of information.

    + PROS: Lots of data and information Quite straightforward
    - CONS: Think the support system could be a bit better

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