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Checkmyfile
TypePrivate
IndustryPersonal finance, financial technology
Founded2000; 26 years ago (2000)[1]
Founders
  • Barry Stamp, Peter Kent
Headquarters,
ProductsCredit monitoring services
Websitewww.checkmyfile.com


Checkmyfile is a British financial technology company which provides consumer credit reporting services.

Launched in 2000, it was the UK's first online credit report service and provides multi-agency credit reports.[2][1]

It is headquartered in Truro, Cornwall.[3]

History

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Checkmyfile was cofounded by Barry Stamp[4] and Peter Kent[5] in 2000. Kent had previously been involved with Egg Banking, an internet bank launched in 1998.[6]

In 2017, Credit Reporting Agency (Checkmyfile's holding company)[7] received funding from Santander, which enabled a management buyout of the founding shareholders.[8][9]

Products and services

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Checkmyfile collates up to six years of history from the three main credit rating agencies (Experian, Equifax and TransUnion).[1][10][11]

Its services include credit score monitoring, identity fraud risk checks and court record checks.[10][12]

References

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  1. 1 2 3 Best UK credit monitoring service of 2025 TechRadar. 7 August 2025. Retrieved 11 August 2026.
  2. ↑ Checkmyfile Review: How to See All Your Credit Reports in One Place MoneytotheMasses.com. Retrieved 29 July 2026.
  3. ↑ Credit Reporting Agency Limited Financial Conduct Authority. 30 November 2015. Retrieved 5 October 2026.
  4. ↑ Be wary of postcode credit traps Wales Online. 13 July 2005. Retrieved 29 July 2026.
  5. ↑ Website on credit wins guide place Worcester News. 27 October 2005. Retrieved 29 July 2026.
  6. ↑ Website credit for ex-Bury pupil The Bolton News. 22 December 2005. Retrieved 29 July 2026.
  7. ↑ Credit scores wrecked as lenders ignore transparency guidelines The Guardian. 12 July 2009. Retrieved 21 August 2026.
  8. ↑ Funding secured for Credit Reporting Group management buyout Insider Media. 5 May 2015. Retrieved 25 September 2026.
  9. ↑ MBO at credit reporting firm Insider Media. 4 March 2020. Retrieved 25 September 2026.
  10. 1 2 What is checkmyfile and how does it work? TheMortgageHut. 2 June 2021. Retrieved 25 September 2026.
  11. ↑ How does your Checkmyfile report affect your mortgage application? Manor Mortgages Direct. 4 November 2025. Retrieved 25 September 2026.
  12. ↑ Scramble does you no credit ThisIsMoney. 23 December 2002. Retrieved 21 August 2026.