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Your Free Credit Report
Why Your Credit Report Matters when Remortgaging
Understanding your credit score is crucial when applying for a mortgage. Learn how as a homeowner you can access free credit reports and take steps to improve your creditworthiness.
Obtain your free credit report to identify areas for improvement and enhance your borrowing potential.
It provides a detailed snapshot of your financial history, including:
Lenders use this data to assess your reliability and calculate your mortgage eligibility. A strong credit report could mean access to better interest rates and a smoother approval process, however having a poor credit score can impact mortgage eligibility, it all depends on what your score is affected by.
We recommend using CheckMyFile, which shows you all three reports (Experian, Equifax and TransUnion) in one dashboard. As a new user, you’ll get a 30-day free trial, £14.99 after, and you can cancel anytime during the trial with no charges and anytime thereafter if you choose to continue.
What You'll Learn From Your Credit Report
How To Get Started
● See your credit score from multiple agencies
● Spot errors or outdated information that could affect your mortgage application
● Understand the factors influencing your score—like credit utilisation and hard searches
● Get tailored advice on how to improve your creditworthiness over time
We recommend using Checkmyfile – the UK's most comprehensive credit report – which includes data from Equifax, Experian, and Transunion.
✅ 30-day free trial, £14.99 after✅ Instant online access✅ No obligation – cancel anytime