Don't Risk Missing Something Important

Credit Reports that enable you to see what lenders view

• The only multi-agency credit report to combine reports from the three leading credit reference agencies.
• Check your Credit History as reported to Equifax, Experian & TransUnion.
• Assess for differences in what’s been reported between the leading agencies.
• Identify problem accounts and take steps to minimise their impact.
• See the credit reports from your gas bill to your loans.
• Information about your credit history is available for up to 6 years.
• Track your balances monthly.
• See any financial affiliations that may be affecting your credit score
• Experts on hand to help if something needs correcting
• A combined credit report and credit score.

What are Credit Reports Used For?

Your credit report records your current and past debts, including your payment history. It’s important because it can impact many areas of your life, such as your ability to buy a house or car, get a loan, and even be hired for specific jobs.

Lenders or businesses may check your credit report to make informed decisions about you based on your credit history. Your credit report is the information lenders use to calculate your credit score, a number those lenders use to determine how likely you are to repay or default on a loan.

A higher credit score indicates that your report includes positive information, while low scores indicate the presence of adverse repayment history. Usually, the higher your score, the more likely you are to be approved for a loan.

What is included in a Credit Report?

Your credit report includes identifying personal details such as your name, address history and information about your past and present debts, account history, credit enquiries, and some public records.

Monitoring Your Credit Report

It’s good to check your credit report to ensure it is accurate and up to date, as it affects many parts of your life.

Most lenders use the leading credit reference agencies TransUnion, Equifax, and Experian. Most online reports only provide information from one of the three leading credit reference agencies, so there is always a possibility you may miss credit history information by only checking one of them.

Check My File is the only UK online credit reporting site that compiles information from the three leading agencies into one report.

Debt Support Direct has partnered with Check My File to access your credit report. Try it FREE for 30 days, then £14.99 a month – cancel online anytime.