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Pete Mugleston

Author: Pete Mugleston - Mortgage Advisor, MD

Updated: April 26, 2022

We’ve partnered with the 3 main credit reference agencies (Checkmyfile, UKCreditRatings and Experian) to provide our customers with quick and easy access to their reports. Make sure you sign up to all 3!

Credit References

Credit References

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If your doctor only had 60% of your medical history, would you want to take their advice? Each report holds different info so your expert needs to know everything before you can get matched with the best lender.

  • Check mark Every lender in the UK has their own unique criteria regarding who they will accept for a mortgage
  • Check mark Credit reports can be the determining factor between being accepted for a mortgage and being declined
  • Check mark Having access to all three would give the broker the best chance of finding you a mortgage and the best deals
  • Check mark Looking at your credit reports will allow the mortgage broker to see what the lenders see
CheckMyFile UK Credit Ratings Experian


Do I REALLY need all 3 credit reports?

YES! We’re not making this up, but it is a bit weird – All UK lenders for anything, credit cards, loans, mortgages etc. report back to different agencies, so each report can often look different. A default on a credit card might be reported to Experian but not to Equifax or Crediva, if you get your Equifax report and think all is rosey you’ll get declined and not know why!

Do I need to key my full address history?

Typically you will need address history covering the last six years. Sometimes if you only have a short history the providers can struggle to access all of your data, and gaps can mean key info is missed, and your score is lower.

How long does it take?

2 minutes! You sign up, key your payment details so they can verify your identity, and then you can log in and view your report online immediately.

How do I download my reports?

Your advisor will need a PDF of your report as screenshots might miss vital information which could delay finding you a suitable mortgage lender.

If you’re using Check My File, to create a PDF of your credit report, click the ‘Download Printable Report’ at the bottom of the page.

A password will be attached to your report, if you’re using Check My File. You don’t need to reset the password, but if you do you’ll need to share it with us when you attach your PDF document so that we can access the data.

What does my credit report info mean?

Great question! The main info lenders look at is your payment conduct (have you made payments on time, do you have any defaults, have you gone over spending limits etc.), and public record (for CCJs, bankruptcy etc.).

You can pick out any issues relatively easily, by assessing the payments made, and looking for any red 1s, 2s, 3s etc. There will be a different view and key for each provider, showing what the numbers and symbols mean.

What if something on my file is wrong?

If you see anything incorrect then it’s best to contact both the report provider, and the lender. If it is a genuine error they can correct it (which often can improve your score if it was negative). If its disputed, you may need to resolve this before it will update on your file.

I have credit issues, will this stop me getting approved?

Not necessarily no! We have OMA®Experts who get mortgages approved for people with credit issues every day, so just because you have an issue, or were even declined by one lender, doesn’t mean you can’t get a deal.

Make an enquiry and we’ll get one of the experts to help!

Article key takeaways

  • 01

    View ALL 3 Reports

    You can't get the right lender without knowing your situation first. Every agency holds different info so you need to see them all.
  • 02

    Don't panic if you find something!

    Credit issues are common, so don't worry if there's something on your report. If it's wrong you can get it fixed, if its right, every lender is different, and there's mortgages for people with even the most severe and recent issues.
  • 03

    Share them with your expert

    All good mortgage advisors know how to read reports - if they don't DO NOT WORK WITH THEM!!! They'll review and let you know what it all means, and as they know what the lenders accept, they'll make sure you go to the best lender first time.
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About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

Read more about Pete

Pete Mugleston

Mortgage Advisor, MD

FCA disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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