Checking your credit report

As part of the mortgage process, it can sometimes be helpful to review your credit report. While this isn’t always required, understanding your credit history can give you greater confidence in your mortgage application and help ensure you’re in the best financial position when applying for a mortgage.

We recommend Checkmyfile because their report includes information from all four UK credit reference agencies, giving you the most complete picture of your credit history. There are several benefits to checking your report:

  • Be prepared and proactive – Reviewing your credit report in advance can help you understand how lenders might view your application and allow you to address any potential issues before applying.
  • See the full picture – Many mortgage lenders check multiple credit reference agencies when assessing an application. With Checkmyfile, you get access to all four in one report.
  • Resolve any discrepancies early – Mistakes in credit reports are rare but can happen. If something doesn’t look right, you can correct it through a single point of contact for all four agencies.
  • Monitor your financial health – Even if you’re not applying for a mortgage right now, keeping an eye on your credit report can help you spot signs of fraud or unexpected changes that could impact future borrowing.
  • Free 30-day trial – Signing up is easy, and you can cancel at any time within the trial period to avoid any charges.

Clicking on the Checkmyfile logo below will take you directly to their registration page, where you can enter your details and produce your report. If you decide to continue using the service beyond the free 30-day trial, a monthly fee will apply.

Check My File logo

By clicking the link, you will need to register your details with Checkmyfile and enter into a free 30-day trial period. This will allow enough time for you to register your information and download your report. You are free to cancel this trial at any time during the 30-day free trial period without penalty. Should you fail or choose not to do so, Checkmyfile will charge you a subscription fee of £14.99 per month thereafter. 

  • To get the best from this service, please ensure you register all of your primary and/or associated addresses within the last 6 years.
  • James Leighton Financial Services Ltd will receive a payment of £12 per free trial entered into via the link to Checkmyfile’s website. This is payable whether you cancel the trial period or not.
  • It should be noted that lenders will not be assessing the report produced from Checkmyfile and will undertake their own research and assessment.

* By clicking the link you’re departing from the regulatory website of James Leighton Financial Services Ltd. Neither James Leighton Financial Services Ltd nor Quilter Financial Planning are responsible for the accuracy of the information contained within their site. Details of how to unsubscribe or cancel this service is available directly from the Checkmyfile website under their T&C’s which states “If you wish to cancel your subscription, please log in and send us a Secure Message at any time, email us, or call us on our Freephone telephone number 0800 086 9360 during normal office hours. In all cases we will provide you with a cancellation reference code in confirmation”.