Get Your Credit Report (Multi-Agency)
See what lenders see before you apply for a mortgage.
Checkmyfile combines data from Experian, Equifax, TransUnion and Crediva into a single, easy-to-understand report. Spot issues, fix errors, and improve your approval chances.
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Multi-Agency Coverage
See data from Experian, Equifax, TransUnion and Crediva — all in one place. Ideal before a mortgage application.
View Reports
Track & Improve Your Score
Visualise progress, understand changes, and take steps that can help your mortgage eligibility.
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Understand Your History
Identify missed payments, defaults or disputes fast — and sort them before applying.
Start Your Free TrialWhy a Multi-Agency Report Matters for Mortgages
Not all lenders report to the same credit reference agency. A multi-agency report helps you see the full picture, so you can catch and fix issues before they impact a decision.
- Spot missed payments, defaults, CCJs and disputes
- Check recent searches and financial associations
- Download a complete PDF to share with your adviser
How to Download Your Report (Takes ~5 Minutes)
- Start your free 30-day trial with Checkmyfile
- Verify your identity and connect your details
- Review insights across all four agencies
- Download the PDF and share with your mortgage adviser
These figures are only illustrative. All mortgages are subject to the applicant(s) meeting the eligibility of the specific lender. An assessment of your needs will be confirmed before a recommendation can be made.
Related Mortgage Advice
FAQs: Credit Reports for Mortgage Applications
Do I need all three credit reports for a mortgage?
Yes. Lenders don’t all report to the same credit reference agency. A multi-agency report helps spot issues across Experian, Equifax, TransUnion (and Crediva), so you see what a lender may see.
Is the Checkmyfile trial really free for 30 days?
Yes — it’s free for 30 days, then £14.99/month if you don’t cancel. You can cancel online anytime.
Will checking my own report affect my score?
No. Viewing your own credit report is a soft check and doesn’t impact your credit score.
What if I find an error on my credit file?
Raise a dispute with the credit reference agency that shows the error. Corrections can improve mortgage eligibility once updated.
Do multiple mortgage quotes hurt my credit?
Within a rate-shopping window, multiple enquiries for the same loan type are typically treated as one.
