I started using Check My file because I was worried about a debt I'd been paying off a while and wanted to make sure my score was all right for moving house.
The site checked Callcredit, Equifax and Experian for all the data, which revealed that some of them didn't have all the information of the others, which was surprising.
Check my file explained all the information and even busted the jargon. It was all very helpful and I recommended it to two friends who tried it out.
Additionally, there is a 30 day free trial, which is common, but cancelling it to avoid paying anything was logical and easy. No messing around with emails, calls or waiting for several working days. I was so impressed I actually wanted to write a review, which is uncommon.
The only thing I can think of as a downside was it didn't have an annual subscription, only monthly and quarterly options.
Great price really useful, helpful and easy to use. They have helped me resolve and issue with my bank putting credit footprints on they shouldnt have and managed to get my electoral information updated after months of trying. I would recommend this site and would happily use them in the future.
I was mightily impressed by checkmyfile. I needed to check my credit rating and had dealt with the three big companies before. However this time I used checkmyfile and they gave information from each of the three big companies, in a very clear summary. The report was excellent and also gave the ratings that the lenders get to see versus other people. Highly recommended! I will be using them again. Thank you.
After dealing with the two major credit agencies, I was delighted to discover checkmyfile. Not only do you receive great customer service, the financial information is both clear and thorough - and I successfully applied for a credit card I thought was out of my league thanks to the recommendation given me. Also, cancelling your subscription is absolutely hassle-free and can be done online. There''s a gaping chasm between this small company and the giant corporations. For one, the information is more detailed and easier to digest; and secondly, you''re treated with a courtesy that''s alien to the big two agencies.
In short, what you receive from this company beats the others hands down for both quality and value for money.
I used the service this month to help me assess and better understand the entries on my credit file. I found the secure messages a very nice additional free service. Staff answered all of my queries very promptly and provided very helpful guidance. I thoroughly recommend this service.
the site is fantastic, user-friendly interface, very good layout. the summary on the main page is superb. you can see your experian, equifax and callcredit records in one place. a well thought through site. well done folks! registering process and cancellation is very simple, no need to phone another human being. highly recommended, no hesitation. very competitive subscription fees.
I came across the Checkmyfile website by chance and thought I would give it a go as it is offering a free trial at the moment. It was by far the easiest credit report site I have ever used. Everything on the site is easy to understand and self explanatory. The added bonus was it also tells you what other credit reference agencies have on file about you. I had a couple of questions about items on my report which were answered within a few hours via a direct email by a member of staff. I cannot find any fault whatsoever with this site and cannot praise it highly enough. If you are thinking of checking your credit report then this is the site to head for.
Really great free service and excellent customer service. Start to finish registration took 5 mins to complete. I really can't praise enough of best customer service and speed of credit report generated. I strongly recommend to use at-least free 30 days service for your peace of mind.
When I was very young and a bit stupid I racked up a significant amount of debt. I lived with seven rich girls in University and when they went shopping with mummy and daddy's money I didn't have the back bone to say hey I can't afford it today I'll stay home so instead I went out with my credit cards. Needless to say I got into a right bother and had no chance of paying them off so I buried my head in the sand and ran away (please don't copy me).
Anyway it is not 8 years later and for the past two years I have been trying to sort my debts out and in turn improve my credit core with the hope of eventually getting a mortgage in probably another 8 years+. I tries Experian to see how bad things where t cost my £15 and didn't really give me much info and I knew there were things missing so really it was useless.
About a year ago I found checkmyfile.com which combines the information from all the different credit scoring agencies to give you a comprehensive look at your record. It show you you're score for each agency as well as what score employers and landlords see (which thank goodness is a lot higher than your normal score for most people).
Check my file costs £7.99 a month and they update your report on a monthly basis so you can keep seeing the improvements you are making, which really helps to keep you motivated. For example my score was 192 (cringe) when I started and in the first 6 months of working on it I got it up to 496 which although still bad is much better. What I tend to do is cancel the DD if I know I am not going to clear anything for a few months to save me paying to see very little movement and then pay again when I think I have made a difference for example cleared a debt so I can see how I am going.
Now the main reason I found checkyfile.com so usefull in helping me improve my credit score is that I didn't really know who I owed money to anymore, all my defaulted accounts had be passed from debt collector to debt collector for years. Check my file not only tells you who you owe money to and how much but gives you contact details in the form of an email address, postal address and phone number . I have managed to set up payment plans with two of the companies without speaking to anyone on the phone which is nice and one of them I didn't even give them my new address.
If you up payment plans the accounts will still show as in default but you can see your debt slowly reducing which is nice.
Overall I would recommend checkmyfile as a really useful tool for anyone trying to improve their credit score or get a grip of their finances as well as for people who are worried about identity theft as youc an report any accounts that you are unfamiliar with.
5* from me :)
This review is also on my ciao account under shellyjaneo
First time I have ever used a company such as this and I found the whole experience superb.The website is very straightforward and intuitive ( even to a techno phobe like me !) and the information is clear, concise and well illustrated.On the occasion that I had to speak directly with someone they were efficient, helpful and provided comfort around my concern.I would happily recommend Check My File to anyone looking to do their homework on this area of their lives.
I have used other credit check companies in past but I am most impressed with checkMyFile.com as :1 ) It show all reports and ratings held with Experian , Equifax and CallCredit ( all in one place save £££ )2 ) Best price compare to all other agencies .3 ) Clear charts which show your lending in past 6 years, user can filter according to lender, perfect4 ) Shows all searches which has been made again your file and categorize them and give useful information to get in touch with company who made the search.5 ) Credit score is explained in very good manner, I love graphs and picture they have used to explainLast but not least, I would definitely use it and recommend to family and friends.
Hi Checkmyfile,Thank you for the excellent service, have been very happy with your service in the last 6-12 months. Have been using CreditExpert, Equifax and Checkmyfile for the last months as I was applying for a loan. You are definitely miles ahead in customer service compared to CreditExpert and Equifax. All my questions were answered very promptly and to the point.Very impressed with the simplicity and usability of the site!Cheers!Tharun
This is a really fantastic service, and although I am cancelling my subscription now (a free 30-day trial, which was incredibly easy to use, and also convenient to cancel when I wanted to) I intend to use it again in the future, and I will certainly recommend it to others. Far more transparent and useful than competitors, very reasonably priced, and great to have all three credit reports in one place). Great customer service, very impressed.
I'm so impressed with the excellent service that checkmyfile.com provided, at a much better value price than others in a similar business.
I was initially a little wary of signing up for a free 30 day trial for a credit report, as I thought it would be difficult to cancel if it wasn't what I was hoping for. I needn't have worried though as it was simple and clearly set out as to how you could cancel, and it was instant too, and you don't have to talk to anyone, it's all done online and literally takes less than a minute.
I did actually sign up for a paid subscription, as I was so impresssed with every aspect of the service and I wanted to monitor my credit score going upwards as my financial situation improves due to positive circumstances in my life right now. My credit score via checkmyfile.com went up by about 30 points over a couple of months and it gives you such a boost to see, in front of you on the screen, proof that things are heading in the right direction money-wise.
The checkmyfile.com website is really well laid out, easy to navigate, intuitive, and has a friendly feel. It has a wonderful splash of colour which seems to guide your eyes to different sections of each page, so that you can easily and effectively absorb the information. It's business-like and professional, but not at all scary or threatening like some other money orientated websites. You're treated like a person, not a number and it just feels "right".
It was interesting to discover that the credit score that employers and landlords see is much higher than your regular score. I wondered at the time why I'd easily passed the search the estate agents carried out, but now I know!
I've never actually wrote a review for a financial website before, but I was so impressed with checkmyfile.com that I wanted to tell others how awesome they are.
If you're reading this and are considering signing-up for the free trial, stop thinking and start doing; you won't regret it. I didn't! Thanks for reading.
This company makes it very easy to see your credit score and reports across multiple providers (Equifax, Experian, Callcredit) and have a multitude of ways of helping you resolve any issues (including secure messages, free phone numbers and mobile friendly numbers to call)Most providers offer a subscription service, I had been with Credit Expert (Experian) for some time but they had missed information that checkmyfile had from other providers so it makes sense to subscribe with a provider that gives you access to multiple credit reference companies.