Checkmyfile, UK’s leading Company to supply consumers with personal credit reports, has a few impressive firsts to its name. Not only was it the first UK Company to provide consumers with Internet access to their credit reports in 2000, three years before any other organisation, but also the first worldwide to provide them with access to their credit ratings and scores.
Checkmyfile UK was also the first to use credit scores as tools to match clients with lenders on the basis of the former’s credit ratings so that they could find cheap credit without any difficulty. It is a privately held, independent organisation.
Checkmyfile is a trade mark of the private company, Credit Reporting Agency Limited, which was established in 1999. It is independently funded and does not depend on any institution and has does not have any link to a government agency. This independence allows
Checkmyfile to give customers fair and balanced financial advice. Currently, it has more than 1.4 million customers.
Checkmyfile allows customers to see their credit file and their credit report here and avail of timely and good financial advice from experts here. Customers can choose to avail of a Single Agency Report, Triple Agency Report or Unlimited Access.
Single Agency Report: This is perhaps the most inexpensive method for customers buying your credit files on the Internet. Employers or landlords should opt for a public credit report, while others can ask for a complete credit report. This is also good for those denied credit or for those seeking an update on the opinion credit rating agencies such as Callcredit, Equifax or Experian have of their creditworthiness.
Checkmyfile customers will not have to make any trial subscription but can see their credit scoring and get an analysis of their credit report for £3.95.
Triple Agency Report: This report will give customers complete data that all three credit reference agencies have about them. Callcredit and Equifax will hold information that the largest lending houses in the UK will check for customers’ creditworthiness. This information can then be compared. Based on Experian’s information about customers, UK companies, landlords and employers will form an opinion about the former’s creditworthiness.
Unlimited Access: The most popular and comprehensive credit report in Britain is Checkmyfile’s Unlimited Access service. This is best for those customers who want to monitor their reports and check for any attempts at impersonation and fraud of that nature.
Checkmyfile UK is very economical and gives customers unlimited access to information from all three credit reference organisations namely Callcredit, Experian and Equifax which are seen by the country’s biggest lenders when the former apply for credit. It will also provide information useful for corporate houses, employers and landlords to check on individuals through Experian’s public credit report.
Identity Theft Risk Evaluation: Checkmyfile strengthens its customers’ security online by conducting an evaluation of their identity theft risk. Identity theft is a reality that all organisations have to be aware of and constantly battle against. The
Checkmyfile gives good advice on ways of reducing chances of falling prey to such theft.
