Lenders check your credit file before they lend. We ask every client for a full three-agency report, so we can see what lenders will see and plan around it before any application is made.
Different lenders check different credit reference agencies: Experian, Equifax and TransUnion. A report from just one of them can miss something a lender will see. Check My File puts all three in a single report, so we can look for errors, spot anything that could cause a decline, and choose the right lenders for you. It is a third party service, separate from ours.
Advertising disclosure: MakeMyMortgage Ltd may receive a fee from Check My File if you sign up through this link. It costs you nothing extra.
Check My File currently offers a 7-day free trial to new customers. After that it costs £14.99 a month. If you cancel before the trial ends you will not be charged, and you can cancel online at any time. It is your own subscription with Check My File, so check the exact trial end date when you sign up, as their terms can change.
If we can see all three files, we can see what each lender is likely to see before we choose where to apply.
An old address, a closed account shown as open or a mix-up with someone else can appear on one agency and not the others. Finding it early gives time to fix it.
A declined application can leave a mark on your file, so we would always rather know first and plan around it.
Based on what Check My File says its report includes. These are the things we look at when we read it with a mortgage in mind.
Loans, cards, mortgages and phone contracts, with how each has been paid, going back up to six years. Late or missed payments are the first thing most lenders look for.
You can see who has looked at your file and when. Too many applications in a short time can count against you, and a search you do not recognise is worth checking, as it can be a sign of fraud.
Lenders use these to confirm who you are. If an old address is still showing, or you are not registered where you live, it can slow things down or cause a decline.
If you share finances with someone, such as a joint account, their file can be linked to yours. You can see who is linked and ask for anyone who no longer should be to be removed.
Any county court judgments or other serious marks that lenders would see are listed in one place.
If something is wrong, Check My File says it can help you raise a dispute, and we can tell you whether the error is likely to matter for your mortgage.
Checking your own report is a soft search, so it does not lower your score and lenders cannot see it.
Check My File says it tracks your score daily and notifies you of changes, which is useful while you are saving or tidying things up before you apply.
Each part of the report comes with a short explanation of what it means for your score and what you can do about it.
Check My File says its customer service team is available Monday to Friday, 9am to 5pm, by phone or email.
No. Looking at your own report is a soft search, which only you can see. It does not lower your score and lenders cannot see it.
The PDF contains every page of the report from all three agencies in a form we can read properly. Screenshots and photos tend to miss sections, and small details can be the ones that matter.
Check My File may ask you to verify who you are online before showing your reports. Follow the steps on screen. If it does not go through, their support team can help, and you can message us at any point.
Cancel before your free trial ends. You can cancel online at any time, and the exact trial end date is shown when you sign up.
If it covers all three agencies, yes, send it over. Many free services show information from just one agency, and lenders do not all use the same one, which is why we ask for a three-agency report.
Do not worry, and still send it to us. We will tell you whether it is likely to matter for your mortgage. Check My File says it can help you raise a dispute, and corrections can take a few weeks, so the earlier you spot it the better.
Not necessarily. Some lenders will consider applicants with past credit problems, depending on what happened, how recent it was and how it has been dealt with. We will give you an honest view once we have seen your report, though no outcome can be guaranteed.
Send it by email to docs@makemymortgage.co.uk, through your document drop folder (we set this up for you after our first contact) or in your official MMM WhatsApp group. We use your report only to assess and arrange your mortgage, and we handle your information as set out in our privacy policy.
No. If you are arranging a mortgage through us, we go through your credit report as part of the service at no extra cost. The paid review is for people who just want a standalone check of their credit.
No. It is simply the route we recommend, because it puts all three agencies in one report. If you already have reports from all three agencies, send those instead.
Most people finish signing up and downloading their PDF in about ten minutes. Once we have it, we will go through it and get back to you.
If you are taking out a mortgage through MakeMyMortgage, we review your credit report as part of the service at no extra cost. The paid review below is for people who want a standalone check of their credit.
A credit report is full of detail, and not all of it matters. If you would like an experienced mortgage adviser to read yours and tell you what it means for getting a mortgage, we offer a separate paid review.
Best for: anyone who wants a clear read on their report.
Best for: anyone who wants to improve their position before applying.
The review is a separate service from our mortgage advice and is not mortgage advice, debt advice or a guarantee of any outcome. Payment is taken before the work starts. We use your report only for the review, as set out in our privacy policy. If you are struggling with debt, free help is available from MoneyHelper and StepChange.
Check My File is a third party service. Neither MakeMyMortgage Ltd nor PRIMIS Mortgage Network is responsible for the service, its content or any charges. Credit scores differ between agencies and lenders, and a credit report does not guarantee a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
