Download and Understand Your FREE Multi Agency Credit Report.

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Home 5 Guides 5 Download and Understand Your FREE Multi Agency Credit Report.

Download and Understand Your FREE Multi Agency Credit Report.

About multi-agency credit reports

Securing your multi-agency credit report is a swift process, taking just about 5 minutes – a crucial step before diving into any home purchase or mortgage application. By following the below link, you will move to an external site. We give no endorsement and accept no responsibility for the accuracy or content of any sites linked to this site. Click on the link to proceed!

>>>MULTI AGENCY CREDIT REPORT<<<

For those embarking on a joint mortgage journey with a significant other here’s a vital tip: both applicants should obtain their individual credit reports.

When it comes to assessing your mortgage application and evaluating your creditworthiness, lenders consult information from three key credit reference agencies – Equifax, Experian and TransUnion.. Each agency compiles their own data on your financial accounts, payment history, addresses, financial associations, and any court orders.

That’s why it’s vital to get a multi-agency credit report, not just one from a single credit reference agency.

As you navigate the mortgage application landscape, bear in mind that lenders can access your credit report through one or all of these agencies, and each lender has their own view on what an acceptable credit report looks like.

Multi-Agency Credit Report Step-by-Step

Works best on computer.

>>>MULTI AGENCY CREDIT REPORT<<<

You can try CheckMyFile free for 30 days, and then it’s £14.99 a month, you can cancel online, by email or via their freephone number. We may receive a small fee from CheckMyFile if you sign up for the free trial. The services promoted here are not part of the Openwork proposition and are offered in our own right. These services are not regulated by the Financial Conduct Authority and Openwork Ltd accepts no responsibility for these services.

TIP: Access to your banking transactions might be needed to answer some of the identity questions.

  • Follow this link to sign up – you’ll need to enter your name, address and some card details – these will only be used if you choose to continue to use the service after the free trial period comes to an end.
  • You may be prompted to verify your information with your card provider in the usual way. Once you’ve done so, you’ll see the following loading screen:
Waiting for Multi agency credit report image
  • CheckMyFile will then ask a few questions to which only you are likely to know the answer – you’ll need to get most of these correct. It’s not unusual for one or more of the answers to be ‘none of the above’.
  • You will then be taken straight to your online multi agency credit report. You’ll see your credit score – out of 1000. Don’t worry too much about this. It’s the credit history that we’re more concerned about.
  • Once your Multi-Agency Credit Report has been generated, click the ‘Download Printable Report’ link, found at the bottom of your Credit Report. If this option doesn’t show for any reason please get in touch with Check My File via email, secure message through your account, or call them free on 0800 086 9360 and they will assist you further.
  • Once your PDF report is downloaded, it will be password protected for security. Your password will be displayed. It is typically your date of birth in the format DDMMYY.
  • If you want to avoid entering into a paid subscription with Check My File, you’ll need to cancel your trial. To do this, click on ‘Expert Help’ on the header.
  • In the ‘create message’ box, choose ‘I need help with my account’ from the dropdown, then choose ‘i’d like to manage my subscription’ from the next dropdown menu. From there, it’s possible to cancel your subscription.
  • You’ll be returned to your credit report and a confirmation message should be displayed.
  • Send us the PDF report you generated via email.

We may receive a small fee from CheckMyFile if you sign up for the free trial. The services promoted here are not part of the Openwork proposition and are offered in our own right. These services are not regulated by the Financial Conduct Authority and Openwork Ltd accepts no responsibility for these services.

What people are saying:

sam tapsellsam tapsell
17:17 11 Mar 24
Chris has been super helpful, always provided honest advice tailored to my situations. Highly recommend!
Ann-Marie JonesAnn-Marie Jones
17:47 18 Jan 24
Highly recommend Chris at Exley Financial Planning. He was really helpful and has walked through each stage carefully with patience and helped secure us a better rate on our mortgage.
Jasmine ScottJasmine Scott
20:21 18 Jul 23
I’ve had the pleasure of working with Chris now for over 6 years. He’s arranged my last three mortgages for me successfully. I’ve always found Chris to be highly efficient, and clear and open in all of his communications. He’s also taken the time to explain my options and be at the end of a phone. I trust him implicitly and would recommend him to anyone looking for sound financial advice and support regarding money matters.
Mike WilliamsMike Williams
16:37 18 May 23
Couldn't recommend a better financial planning advisor.Chris's help, advice and knowledge base was second to none.
Deborah NDeborah N
11:41 18 May 23
Chris was outstanding. His service was attentive, comprehensive and he displayed an impressive knowledge of his field. He was always easy to contact, friendly and returned calls and messages promptly. His help was invaluable. We are incredibly grateful for all his assistance and wouldn't hesitate to recommend him to others.
Jay ProbertJay Probert
12:02 07 Jul 22
Chris was referred to my wife an i by a neighbour. Despite conducting all communication online (emails/MS Teams calls) at all times Chris has remained personable and responsive. My wife and i are far from experts in this field but Chris' calming approach to the process has been most reassuring and would strongly recommend his services to others. Thanks Chris.
Alexia BowlerAlexia Bowler
08:27 25 Apr 22
We recently used Exley Financial Planning (Chris) for our mortgage and they were so professional, efficient and listened to our every need. We got some very good advice and felt confident that they had our interests at heart. I would use Exley Financial Planning again for anything finance related, and feel relieved we've now got someone who takes us through documents and processes (most of which are fairly confusing!), step-by-step. Thanks Chris!
bethan boddybethan boddy
11:55 08 Mar 22
Fantastic service from Chris.Chris helped me with the process of getting my mortgage from start to finish. As a first time buyer, I was clueless. Having Chris help me made the process a lot easier and he was able to explain information to me that I was unsure off.I highly recommend this company to anyone, especially first time buyers.
Ellen MorganEllen Morgan
08:26 31 Mar 21
I can’t thank Chris enough for all his help throughout my purchase. It hasn’t been an easy process buying my first home during a pandemic, but Chris made securing a mortgage a breeze! Chris is very knowledgable and was honest with me from the outset about what was affordable for me and the mortgages available. It has been a long process for me, but Chris is always available on the other end of the phone to answer any questions I had and kept me updated every step of the way. Brilliant service, I would highly recommend! Thank you Chris!
Rod DCRod DC
19:42 19 Aug 19
Chris has been absolutely fantastic in helping us secure our mortgage offer.Our own situation was a bit more complex due to work and contracts but Chris has worked extremely hard to find us a mortgage that suits us.The quality of service has been top notch from the first meeting. Communication has been excellent and we have been constantly updated on the situation and progress of all processes.It has been so worth employing the services of Exley and I cannot recommenced the service more.
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