CheckMyFile is the UK’s market leader in the provision of credit files and personal information to consumers. CheckMyFile offers the most comprehensive online access to information held about any individual. In addition to credit files CheckMyFile provides, amongst other things, credit scores, neighbourhood demographics, vehicle data and a unique range of groundbreaking Identity Theft Protection products.

CheckMyFile is visited by more consumers than the three main UK credit agencies combined. The independence and customer care strengths of CheckMyFile will help to ensure this reamins a market leading comsumer website.

CheckMyFile have been providing credit reports online since March 2000. CheckMyFile was the first company to supply UK consumers with online access to their credit files. CheckMyFile will tell you your credit score and credit rating and find credit cards, loans and mortgage companies who are most likely to say yes. CheckMyFile will also find better current accounts for you. Confidential, instant and no purchase or registration required.

CheckMyFile is operated by Credit Reporting Agency Limited, a private company registered in England. The CheckMyFile company number is 3719598. The CheckMyFile registered office is 13 High Cross, Truro, Cornwall, TR1 2AJ. CheckMyFile are also notified with the Office of the Information Commissioner, and registered with the Office of Fair Trading under the Consumer Credit Act 1974. CheckMyFile are also a member of the Better Payments Practice initiative.

Credit Reporting Agency is the UK's first Internet based provider of consumer credit reference information.

Conveniently and quickly CheckMyFile deliver credit reference information to anyone with access to the Internet.

CheckMyFile provide help text where necessary throughout our website to help those who are not familiar with some of the jargon used in credit.

CheckMyFile have two main functions:

• to help individuals to check their own credit files, or to keep track of changes to the information stored about them
• to enable businesses and other commercial organisations to check credit files using the Internet.

Individuals are able to access their credit file information online. Credit Reporting Agency uses power of attorney from its customers to reveal privately held and detailed information on how credit commitments have been handled, such as current credit card balances, payment history and credit limits. These private files are shared by over 200 of the largest lenders in the UK and are vitally important for people who regularly apply for mortgages or credit. CheckMyFile provide a service to individuals to monitor changes to their credit files and to keep them fully up-to-date with personal information issues. CheckMyFile also provide advice on how to maintain a good credit file and how to fix errors.

Businesses using the CheckMyFile services may include anyone wishing to check out people before making decisions to lend money, to extend credit or to make checks for fraud prevention purposes. The information made available through Credit Reporting Agency for these specific purposes is already in the public domain, such as Electoral Roll information and the presence of county court judgments or bankruptcies.

Founded in 1998 in Cornwall, Credit Reporting Agency is a privately owned company, funded independently without reliance on any UK institution and has no link to any government agency. Their independence enables CheckMyFile to give fully impartial and objective advice, helping businesses to make better informed decisions and enabling people to take control of the information held about them.