Checkmyfile

What Checkmyfile does

Checkmyfile, trading as Credit Reporting Agency Limited, is a UK-based direct-to-consumer subscription service that aggregates credit data from all three major UK credit reference agencies — Experian, Equifax, and TransUnion — into a single consolidated credit report and credit score. Founded in March 2000 and operating online since 2001, the company is privately owned, independently run, FCA-authorized (firm reference 690175), and UK GDPR compliant. Its core product covers up to six years of credit history per user, with modules branded 'Know Your File' (error identification and credit history visibility) and 'Grow Your Score' (actionable improvement guidance and daily score tracking), supplemented by a Moneysupermarket.com comparison integration for energy, broadband, and phone services.

The technical platform is a self-serve web application that ingests multi-agency credit data through established data supply partnerships with Experian, Equifax, and TransUnion, plus address verification via the Royal Mail Postcode Address File. Identity authentication combines an in-house question-based system using the user's credit file with authentication services from the credit reference agencies. The company has invested in AI-assisted customer service tooling for response consistency, and offers a dispute resolution service acting on behalf of consumers to correct errors at the credit reference agencies. There is no mobile app, no public API, and no disclosed proprietary AI models or machine learning pipelines.

The business model is a recurring subscription priced at £14.99 per month following a 7-day free trial, with full self-serve onboarding, online cancellation, and automated monthly billing. Acquisition is primarily direct and organic through the checkmyfile.com website, supported by an extensive SEO-driven content library (help centre, guides, jargon buster), email marketing, customer testimonials, and an affiliate/partner referral channel. The addressable market is UK consumers aged 18 and over; the company does not operate outside the UK. Headcount is 51-100 employees, headquartered in a Grade-II listed building on Lemon Street in Truro, with no external funding rounds, no acquisitions, and no parent company disclosed.

Name

Checkmyfile

Legal name

Credit Reporting Agency Limited

Website

https://checkmyfile.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

51–100 employees

Short description

Checkmyfile is a UK-based consumer subscription service that aggregates credit data from Experian, Equifax, and TransUnion into a single consolidated credit report and score, sold directly to UK consumers at £14.99 per month after a 7-day free trial.

Ownership category

akta.pro rank

Product category

Consumer Credit Reporting

NAICS

Activities Related to Credit Intermediation (5223), Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

akta.pro secondary industries

Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI), Credit Repair & Credit Score Advisory (FSAEAFAD)

Keywords

• Consumer credit reporting
• Multi-agency credit reports
• Credit score monitoring
• Credit health platform
• Credit report subscription

Headquarters

HQ city

Truro

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Subscription Service: Monthly subscription service providing access to comprehensive multi-agency credit reports and credit scores. After a 7-day free trial, customers pay £14.99 per month. Subscriptions can be cancelled online at any time.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Checkmyfile provides a UK consumer subscription service that consolidates credit data from Experian, Equifax, and TransUnion into a single detailed credit report and credit score, with up to six years of history. Subscribers receive daily score updates, error-identification guidance, dispute resolution support, and personalised actions to improve their credit profile.

Product overview

Checkmyfile operates as a unified credit health platform offering a single consolidated credit report that aggregates data from all three major UK credit reference agencies—Experian, Equifax, and TransUnion. The core product consists of two integrated service modules: 'Know Your File' provides users access to their comprehensive credit history with error identification capabilities, while 'Grow Your Score' delivers personalized guidance and score improvement recommendations with daily tracking. A supplementary integration with Moneysupermarket.com Limited enables in-platform comparison services for energy, broadband, and phone providers. The platform is priced at £14.99 per month following a 7-day free trial.

Differentiator

Problem solved

Functional benefit

Products and services

• Checkmyfile Credit Report and Score Subscription The primary paid subscription product for UK consumers aged 18+, aggregating Experian, Equifax, and TransUnion credit data into a single detailed credit report with daily-updated score, up to six years of history, error identification guidance, and dispute resolution support. Priced at £14.99 per month after a 7-day free trial, with online self-serve cancellation.

Quantifiable outcome

• Daily updates to credit scores and reports
• +2 more outcomes

Named customers3 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• ExperiancoreTechnology or IntegrationExperian is one of the three main UK credit reference agencies whose data Checkmyfile aggregates into its comprehensive credit report. Checkmyfile obtains credit report data from Experian as part of its multi-agency credit reporting service.
• EquifaxcoreTechnology or IntegrationEquifax is one of the three main UK credit reference agencies whose data Checkmyfile aggregates into its comprehensive credit report. Checkmyfile obtains credit report data from Equifax as part of its multi-agency credit reporting service.
• TransUnioncoreTechnology or IntegrationTransUnion (formerly Callcredit) is one of the three main UK credit reference agencies whose data Checkmyfile aggregates into its comprehensive credit report. Checkmyfile obtains credit report data from TransUnion as part of its multi-agency credit reporting service.
• Moneysupermarket.com LimitedminorGTM or Marketing PartnerCheckmyfile passes customer information to Moneysupermarket.com Limited to provide customers with quotes tailored to their needs when they elect to use the 'Compare Energy', 'Compare Broadband' or 'Compare Phone' sections of the Checkmyfile website.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• ClearScore: ClearScore is a UK consumer credit reporting and monitoring service offering free multi-bureau credit reports and scores. It is a direct competitor to Checkmyfile in the consumer credit health subscription/monitoring category, though now Experian-owned.
• MoneySavingExpert Credit Club: MoneySavingExpert's free Credit Club offers UK consumers multi-agency credit reports and monitoring via the MSE brand. It is a direct, free competitor to Checkmyfile's paid subscription service.
• Credit Karma: Credit Karma UK (owned by Intuit) provides free credit reports, scores, and monitoring alongside personalised financial product recommendations. It competes directly with Checkmyfile on consumer credit visibility and freemium monetisation.
• TotallyMoney: TotallyMoney is a UK credit comparison and monitoring platform offering credit reports and personalised card/loan recommendations. It overlaps with Checkmyfile on credit health visibility and lender matching.

Emerging players

• Credit Sesame: Credit Sesame is a US-based consumer credit monitoring and financial wellness platform with a freemium model. It is comparable in business model (credit visibility + financial product referrals) but operates primarily in the US market.

Broad incumbents

• FICO: FICO is the dominant provider of consumer credit scoring technology used by UK lenders. It is an upstream incumbent in the credit ecosystem, comparable as a credit-information brand rather than a direct consumer subscription competitor.
• TransUnion (Consumer): TransUnion (formerly Callcredit) is one of the three UK credit reference agencies offering consumer credit reporting and monitoring. It supplies data to Checkmyfile while also competing for end-consumer credit health relationships.
• Experian (Consumer): Experian is one of the three UK credit reference agencies and offers its own consumer credit report, score, and monitoring product. As a data supplier and broad incumbent, it both enables and competes with Checkmyfile.
• Equifax (Consumer): Equifax is one of the three UK credit reference agencies providing consumer credit reports and scores. It is both a data partner and a competitive incumbent in the credit health category.

Others

• MoneySupermarket Group: MoneySupermarket is a UK price comparison platform and an existing Checkmyfile integration partner for energy, broadband, and phone. It is thematically comparable as a monetisation channel for consumer financial intent.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInuk.linkedin.com/company/checkmyfile
• Xx.com/checkmyfile
• Facebookfacebook.com/checkmyfileUK

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Checkmyfile