Before applying for a mortgage, it helps to know where you stand. Your credit score affects which lenders will accept you and what rates you’ll be offered.
CheckMyFile gives you a complete picture by showing your credit report from all UK credit agencies in one place – Equifax, Experian, TransUnion, and Crediva.
Avoid surprises – see any issues before lenders do. Old debts, incorrect addresses, or accounts you’d forgotten about can all affect your application.
Understand your options – your credit profile influences which lenders suit your situation. Knowing your score helps us find the right match.
Fix problems first – errors on credit files are common. Spotting and correcting them before you apply saves time and improves your chances.
Stronger applications – when we submit your mortgage application, we want it to succeed first time. Knowing your credit position helps us place you with the right lender.
CheckMyFile shows your complete credit picture:
All four agencies – most free services only show one agency, but different lenders check different agencies. CheckMyFile shows all four so you see what any lender would see.
Payment history – how you’ve managed credit accounts, loans, and bills.
Credit searches – who’s checked your file and when. Too many searches can affect applications.
Public records – CCJs, bankruptcies, IVAs, and electoral roll registration.
Account details – all your credit accounts, balances, and limits.
Your credit score – an overall score plus breakdowns by agency.
Once you’ve reviewed your report, contact SJ Financial Solutions to discuss your mortgage options. We’re here to help whatever your credit situation.
