Checkmyfile
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.
- Company typePrivate
- Founded2000
- HeadquartersTruro, United Kingdom
- Headcount51–100
- GTM typeB2C
- OfferingSoftware
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.
Checkmyfile firmographics
Firmographics- 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
Checkmyfile industry classification
Industry- 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
Where Checkmyfile is headquartered
LocationHeadquarters
- HQ city
- Truro
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Checkmyfile business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- 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
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard subscription with 7-day free trial |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
Checkmyfile product offering
Product offeringCore 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
Companies that use Checkmyfile
Customer profileNamed customers3 records
Segments1 record
Ideal customer profiles1 record
Checkmyfile technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature4 records
Checkmyfile partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- ExperiancoreExperian 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.
- EquifaxcoreEquifax 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.
- TransUnioncoreTransUnion (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 LimitedminorCheckmyfile 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
Checkmyfile competitors and assessment
Company assessmentDirect 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
Checkmyfile social profiles
Digital presenceCheckmyfile compliance and trust
Trust signalCompliance2 records
Checkmyfile financial estimates
Financial estimateRevenue estimate
Valuation estimate
Checkmyfile leadership team
Management profileNumber of profiles
Profiles1 record
Checkmyfile funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Checkmyfile M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Checkmyfile
What does Checkmyfile do?
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.
Is Checkmyfile a public or private company?
Checkmyfile is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Checkmyfile founded?
Checkmyfile was founded in 2000. It employs 51 to 100 people.
Where is Checkmyfile based?
Checkmyfile is headquartered in Truro, United Kingdom, in the Europe region.
How does Checkmyfile make money?
One revenue line is on record: subscription Service.
Who are Checkmyfile's main competitors?
Direct peers on record are ClearScore, MoneySavingExpert Credit Club, Credit Karma and TotallyMoney. Credit Sesame is listed as an emerging player. Broad incumbents are FICO, TransUnion (Consumer), Experian (Consumer) and Equifax (Consumer). MoneySupermarket Group is listed as an others.
Does Checkmyfile have an API?
No public API is recorded for Checkmyfile.
What industry is Checkmyfile in?
Checkmyfile's product category is Consumer Credit Reporting. Its primary akta.pro industry code is FSAKAKAJ, Credit Education, Monitoring & Consumer Credit Management Tools, with a secondary code of FSAKAKAI, Credit File Dispute Management & Consumer Data Remediation. Its NAICS code is 5223 and its SIC code is 7320.