To give you the best advice, we’ll need to see a copy of your credit report.
It gives us a full picture of your credit history and helps us match you with the right mortgage lenders, especially if you’ve had issues with credit in the past.
Here’s how to get your report and send it to us:
We recommend taking advantage of Checkmyfile’s 30-day free trial* (usually £14.99 a month). You’ll get a really thorough overview of your credit report with a detailed look at your credit history. Their report will show what you look like at each credit reference agency side by side.
*When you click through to our affiliate links, we may earn a small commission at no extra cost to you. We only recommend sites we trust and believe in.
If you haven’t already, you’ll need to sign up to Checkmyfile to view your online credit report before you can download it. It takes less than five minutes, and you’ll get a free 30-day trial, which you can cancel at any time.
Already signed up? Just log into your account and reactivate your subscription (£14.99 per month) to make sure you have your most up-to-date report.
Once you’ve got your report, you’ll need to download a printable PDF version. You can find this at the bottom of the report - click the ‘download printable report’ button. If this button isn’t showing, get in touch with Checkmyfile through instant message or call 01872 304050 and they’ll look into it for you.
Once your report has been downloaded, you should be able to open the PDF document without the need of a password or code.
It’s super important to keep the PDF of your Credit Report secure. Make sure it’s stored safely on your computer or device.
If you’re happy to share the information on your Credit Report with your mortgage broker, you can do this now (this is entirely at your discretion and not a mandatory requirement).
Most mobile devices will give you the option to save the document or send it as an email attachment. You should have the email address for your broker or customer success team member - simply attach the file to the appropriate email address.
And you’re done! We’ll let you know once it’s received and if you need to do anything else.
Still confused? Take a look at our Guide: Checkmyfile Explained for a deeper look.
Talk to our Mortgage Experts to find out your options