The Best Free Online Credit Report Site


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By Crispin Bateman

on Tuesday 12 February 2019


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Skip to a section:

How can I view my credit report online for free?

Which free credit score website is best?

What is a CRA?

Which credit report is most accurate?

What’s a multi-agency credit report?

Check My File: What is it and how does it work?

Why choose Check My File?

How can I view my credit report online for free?

Recent changes in data management mean that the previously hard-to-access information that makes up your credit rating is now available for you to regularly check yourself. This is great because:

  • You can see whether you are likely to be rejected for credit before applying

  • It helps you with your personal finance management

  • It’s actually really interesting!

Which free credit score website is best?

Before we jump to the conclusion (you can scroll down if you must!), knowing how the credit score check works will help you understand what you are looking at and why one free credit report might be better than another.

What is a CRA?

CRA stands for Credit Reference Agency. There are four of these in the UK, and you can now get a free credit report online from each of the four.

But when looking at which is the best free credit report site, or which credit report is most accurate, picking which one of the four to check your credit score can feel a little random. After all, the most important thing is to choose the one that the loan companies or credit card companies are going to be looking at when you make that all-important application.

OK! So which credit report is most accurate?

None of them! Well, none of those four anyway – sure, they give you a free credit check but unless you are getting a multi-agency credit report, you are only seeing one slice of the cake.

What’s a multi-agency credit report?

When you use Experian or Equifax, you get all the advantages of an online credit report, but only from their perspective.

For the best credit report site to be relevant in 2019, it has to show you everything the main CRAs have on you – all of them. A multi-agency credit report shows you all of that data in one place.

What’s more – if it is really good, it should merge those reports together to make one overall score.

That’s why at Compare UK Quotes, we recommend Check My File.

Check My File: What is it and how does it work?

Check My File is an independent company that compiles data from all four main credit reference agencies to provide a credit score that’s explained in great detail on their site. It’s friendly to use, fast and accurate.

It works by getting your credit report from all of those other agencies and putting it together in one place.

Why choose Check My File?

Why not?! Admittedly, the services on Check My File are too good to be a completely free credit score UK site, and after the first month, you’ll be charged a nominal fee to continue using their services, but they offer a free trial, so you can take a look today and cancel Check My File at any time.


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