Understanding Your Credit
Why This Matters
Lenders use different credit agencies
Different lenders check different agencies — Experian, Equifax, or TransUnion. Your score can vary between them, and what one lender sees might differ from another.
Missed payments may appear differently
A missed payment might show on one credit file but not another. Small discrepancies like this can affect which lenders will approve you.
Small issues can impact approval
Even minor credit issues — an old address, an unknown account, or a forgotten default — can slow down or prevent your mortgage approval.
Our Recommendation
Why We Recommend Check My File
Combines multiple credit agencies
See your data from Experian, Equifax, TransUnion, and Crediva — all in one report.
More complete picture
Free credit apps only show part of the story. Check My File gives you the full view.
Closer to what lenders see
This is the same level of detail that mortgage lenders access when assessing your application.
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Once you've downloaded your report, send it over and we'll review it with you.