Does checking my credit file affect my score?

No. Checking your own file is a soft search and is not visible to lenders as an application, so it has no effect on your score.

What does the credit file service cost?

There is a free 30-day trial, after which the service costs £14.99 per month. The trial and subscription can be cancelled online at any time.

What if I find a mistake?

Raise it with the credit reference agency and the lender concerned. Errors can take a few weeks to correct, which is why it's worth checking well before you apply.

Before you apply

Get your Free Credit File today

Checking your credit file before you apply is one of the simplest ways to avoid a surprise later in the process.

Speak to an adviser Use our calculators

Use this FREE tool if you want to get an idea of your credit file (£14.99 per month after the free 30-day trial – it can be cancelled online at any time). Using it will help you to highlight any possible mistakes or fraudulent activity on your profile, so that you can deal with such problems straightaway. The trial and subscription can be cancelled at any time.

Frequently asked questions

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