Your credit score made easy

You are welcome to sign up for a free trial with both Checkmyfile and UKCreditRatings if you want to see how they compare. The latter is more of a premium service that provides extra features along with your credit report, such as dark web monitoring and access to a perks portal for discounts on goods and services. Both trails can be cancelled at any time.

Both services provide you with a multi-agency credit report that draws in data from the UK’s leading credit reference agencies, Equifax, Experian and Transunion.

It is recommended that you input at least six months’ address history. If you enter any less than this, the credit reference agencies might struggle to present a full picture of your creditworthiness. Keep in mind that there are ways to build up credit quickly if you only have less than six month’s worth of address history.

Two minutes! You sign up for the trial of your choice, key your payment details so they can verify your identity, and then you can log in to view your credit reports online immediately.

You can contact the relevant credit reference agency if you see something inaccurate on your credit files and they can get it removed. If you spot anything suspicious, such as potential fraud, your credit report provider will advise you on the next steps to report the issue. You may want to consider placing any applications for new finance on hold until the matter is resolved.