How to understand your Check My File Rating

When it comes to applying for a mortgage, you will have been planning for this for some time. You likely understand the implications your past decisions regarding your credit will have on your ability to gain a mortgage. However, looking into your previous credit history and fully understanding your credit history and analysing your past financial behaviour before you put in your application will help you to improve your chances of your mortgage being accepted the first time.  One of the tools we recommend for checking your credit is the “Check My File” website.

What Is Check My File?

Check My File is the only UK website that provides you with a detailed credit file report and credit score that includes all the information held on your ability to gain credit from all four of the UK credit reference agencies.

Check My File allows consumers to see what companies see when you apply for credit and gives you a physical score allowing you to see your creditworthiness. This allows the users to be able to have a complete picture when it comes to their credit history and then take steps to protect their credit future, improve their rating or keep an eye out for any fraudulent applications in their name. You can also easily find previous addresses and information likely to be required for applications such as gaining mortgage or more complex loans without the need to be scouring your files for an hour on end.

On Check My File, you can check the following;

  • See if you are on the electoral roll.
  • Identify any fraudulent activity.
  • View information held on you by the four different credit reference agencies
  • People who are financially associated with you
  • Check court records
  • Check for CCJs

Who Needs To Use Check My File?

We recommend everyone use Check My File to gain a complete and thorough picture of your current credit status but especially those who will be applying for a mortgage. Your mortgage broker will likely explain to you the types of information potential lenders will be looking at and applying this knowledge to the information available to you form Check My File, you will easily be able to see what the lenders see and take the required action to corrector resolve and discrepancies that could harm your chances of being accepted for a mortgage.

Once you can see how you are scoring against qualifying criteria for mortgage applications, you will be in a much better position to move ahead with your application and be more confident that your application has the best chance of being accepted.

How to Use Check My File

Check My File is a subscription service and signing up means you agree to pay the £14.99 a month fee for full use of the site and all its features, or you can sign up to the free checker option for a limited time. Upon verifying your identity, you will then have access to all the financial information held against you, positive and negative.

It is worth taking your time to thoroughly read through all the information provided and familiarise yourself with the layout and terminology and the different credit reference agencies information. different lenders use different companies and Check My File will show you exactly what lenders will see when running credit checks via each company.

Head over to the jargon buster tools to familiarise yourself with the terminology used within your report. Once you are aware of what all the terminology means, you will be able to understand your credit report better and know where you need work improvements.

One of the first things you need to identify is any circumstances where you have failed to meet your financial commitments and their impact this has on your credit score and creditworthiness. Missed payments, outstanding balances all impact how favourably lenders look upon application. Making plans to repay what you owe in full or by way of an agreed payment plan with existing lenders will help you to improve your credit score and boost your mortgage application.

Checking your credit score may seem simple, but in reality, all four different credit reference agencies use different criteria to score you. Without using a service such as Check My File, you will find it virtually impossible to see what each agency scores you and how. Expand on your score with all the UK major credit agencies by making sure you have checked what your score is individually and what brings it down with each one individually.

Use the tool to track negative impacts and make sure they are removed when cleared in full. The complete picture of your past and current financial situation is always available for you to check how your information is being used and as you can see up to date information you can identify any transaction or applications that could be made fraudulently and have them removed and investigated almost immediately.

Benefits of Signing up to Check My File

Using a credit checking tool such Check, My File can have a huge positive impact in your life going forward, not just for your mortgage application. Being unaware of how your application will be judged can be a tense and stressful situation but by having as much information as possible about how lenders will be looking at and how you are performing in regards to your financial commitments.

Having full control over how you can improve your credit score will help you move forward to know exactly how you spend your money, what you owe and your likelihood of being accepted for mortgages, loans or another complex lending option.

To see what type of mortgage you could get based on your circumstance get in touch with us today or fill in our mortgage calculator to get you started on the journey to owning your own home.  Yes Mortgage Services Limited are a whole of market broker and we don’t charge a broker fee for the work we do, therefore it is worth booking a time to talk to one of the team here to make sure you are in the best possible position to get your mortgage / remortgage.

 

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At Yes Mortgage Services, we offer a comprehensive range of products from across the market.

Irrespective of whether you are looking to buy a new home, re-mortgage an existing property, or looking to protect your family from the unpredictability that life throws at it or protect your income if you are unable to work due to accident or ill health.

Yes Mortgage Services are committed to offering you the highest possible standards of service. We can undertake the whole process from answering the initial questions through to handling multiple product applications. Ensuring that everyone gets treated with the same urgency and maintaining your best interests are our main goals irrespective of the value of the mortgage.

We recognise that both we and our customers have everything to gain if we look after your best interests and treat you fairly in all aspect of our dealings with you.

Yes Mortgage Services

Contact Us

YES Mortgage Services Limited
The Old Barn
Brooklands Farm
Mannington
Wimborne
BH21 7JU

Hours
Monday – Friday 0900 – 1700

Contacts
0800 612 5596
[email protected]

We don’t charge a broker fee

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Our friendly mortgage advisors are here to help. We have access to a comprehensive panel of lenders to ensure we research the most suitable mortgage solution for your needs. And the best bit? We don't charge a broker fee!⁣
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Tap the link in our bio to learn more, or call us on 0800 612 5596 to arrange a chat. ⁣
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Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
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...⁣
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#hampshirelife  #mortgageprocess #mortgagebrokeruk #homeuk #mortagebrokers #homeownership #dreamhome

Our friendly mortgage advisors are here to help. We have access to a comprehensive panel of lenders to ensure we research the most suitable mortgage solution for your needs. And the best bit? We don`t charge a broker fee!⁣

Tap the link in our bio to learn more, or call us on 0800 612 5596 to arrange a chat. ⁣

...⁣


Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#hampshirelife #mortgageprocess #mortgagebrokeruk #homeuk #mortagebrokers #homeownership #dreamhome
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Buying your first home can feel a little daunting and maybe even a bit scary at times. ⁣
⁣
But we're here to guide you every step of the way so you can feel comfortable and confident throughout the entire process 🙌⁣
⁣
Our free expert advice covers everything from saving for your deposit, getting your credit score healthy and your finances ready, right through to choosing the right building surveys and solicitors.⁣
⁣
We'll cut through the jargon, talk through all of your questions (there's no such thing as a silly question in our minds), and guide you through finding the most suitable mortgage for your circumstances 🏡⁣
⁣
The best bit is we don't charge a broker fee! - send us a message or give us a call on 0800 612 5596.⁣
⁣
...⁣
⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
#firsttimebuyeruk #firstimehomebuyers #propertyladder #firsttimehomeowners #firsttimebuyertips

Buying your first home can feel a little daunting and maybe even a bit scary at times. ⁣

But we`re here to guide you every step of the way so you can feel comfortable and confident throughout the entire process 🙌⁣

Our free expert advice covers everything from saving for your deposit, getting your credit score healthy and your finances ready, right through to choosing the right building surveys and solicitors.⁣

We`ll cut through the jargon, talk through all of your questions (there`s no such thing as a silly question in our minds), and guide you through finding the most suitable mortgage for your circumstances 🏡⁣

The best bit is we don`t charge a broker fee! - send us a message or give us a call on 0800 612 5596.⁣

...⁣


Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#firsttimebuyeruk #firstimehomebuyers #propertyladder #firsttimehomeowners #firsttimebuyertips
...

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Our amazing team of experts are always on hand to find the right mortgage solution for you and to answer any questions you might have. Send us a message, or call us on 0800 612 5596.⁣
⁣
...⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
#mortgageadvisor #nobrokerfee #dorset #mortgagesmadesimple #dorsetbusiness #ukpropertymarket

Our amazing team of experts are always on hand to find the right mortgage solution for you and to answer any questions you might have. Send us a message, or call us on 0800 612 5596.⁣

...⁣

Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#mortgageadvisor #nobrokerfee #dorset #mortgagesmadesimple #dorsetbusiness #ukpropertymarket
...

2 0
More and more investors are buying properties within a Limited Company to keep things tax efficient. ⁣
⁣
But when it comes to refinancing or purchasing your new investment property, the process of getting a mortgage can feel challenging.⁣
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Not anymore!⁣
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Our Specialist Mortgage Advisors know which Mortgage Lenders are used to working with Limited Company Buy to Let portfolios. They'll find you the most suitable deal and save you time and money by managing your mortgage application from start to finish. ⁣
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Visit our website to learn more (🔗 in bio)⁣
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...⁣
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Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
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Before pursuing Limited Company Buy To Let we recommend you seek advice from a tax expert⁣
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...⁣
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#limitedcompanybuytolet #ukpropertyinvestors #ukpropertyinvestor #landlordsuk #landlordsecrets #investmentproperty #ukpropertyinvesting

More and more investors are buying properties within a Limited Company to keep things tax efficient. ⁣

But when it comes to refinancing or purchasing your new investment property, the process of getting a mortgage can feel challenging.⁣

Not anymore!⁣

Our Specialist Mortgage Advisors know which Mortgage Lenders are used to working with Limited Company Buy to Let portfolios. They`ll find you the most suitable deal and save you time and money by managing your mortgage application from start to finish. ⁣

Visit our website to learn more (🔗 in bio)⁣

...⁣

Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

Before pursuing Limited Company Buy To Let we recommend you seek advice from a tax expert⁣

...⁣

#limitedcompanybuytolet #ukpropertyinvestors #ukpropertyinvestor #landlordsuk #landlordsecrets #investmentproperty #ukpropertyinvesting
...

1 0
We believe in providing quality financial advice to everyone, regardless of their financial status. ⁣
⁣
That's why we don't charge a broker fee 🤩⁣
⁣
We'll look after you for the lifetime of your mortgage/home ownership, ensuring you never pay more than you should on your loan. Whether you're remortgaging, moving home, or making any subsequent property purchase, we've got you covered.⁣
⁣
Visit our website (🔗 in bio) to learn more.⁣
⁣
...⁣
⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
#mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #ringwood #hampshireuk #mortgageadviser

We believe in providing quality financial advice to everyone, regardless of their financial status. ⁣

That`s why we don`t charge a broker fee 🤩⁣

We`ll look after you for the lifetime of your mortgage/home ownership, ensuring you never pay more than you should on your loan. Whether you`re remortgaging, moving home, or making any subsequent property purchase, we`ve got you covered.⁣

Visit our website (🔗 in bio) to learn more.⁣

...⁣


Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #ringwood #hampshireuk #mortgageadviser
...

2 0
Being self-employed has its perks, but when it comes to getting a mortgage, things can get a little tricky. But you don't have to navigate this process alone.⁣
⁣
We have access to a wide range of lenders and a deep understanding of what each one looks for when it comes to self-employed mortgages. Meaning we can find the most appropriate lender for your circumstances and needs!⁣
⁣
And the best bit? We don't charge a broker fee 🤩⁣
⁣
If you'd like to chat with one of our advisors about self-employed mortgages give us a call on 0800 612 5596 or send us a DM⁣
...⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage.  Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
#selfemployedmortgage #selfemployedmortgages #selfemployed #dorsetbusiness #bournemouthbusiness

Being self-employed has its perks, but when it comes to getting a mortgage, things can get a little tricky. But you don`t have to navigate this process alone.⁣

We have access to a wide range of lenders and a deep understanding of what each one looks for when it comes to self-employed mortgages. Meaning we can find the most appropriate lender for your circumstances and needs!⁣

And the best bit? We don`t charge a broker fee 🤩⁣

If you`d like to chat with one of our advisors about self-employed mortgages give us a call on 0800 612 5596 or send us a DM⁣
...⁣

Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#selfemployedmortgage #selfemployedmortgages #selfemployed #dorsetbusiness #bournemouthbusiness
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A JSPB mortgage enables you to accept the financial support of your family while retaining a sense of independence through sole ownership of your property.⁣
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If you'd like to chat with one of our advisors about Joint Borrower Sole Proprietor Mortgages or buying your first home, give us a call on 0800 612 5596 or send us a DM⁣
⁣
...⁣
⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
#firsttimebuyeruk #firstimehomebuyers #propertyladder #firsttimehomeowners #firsttimebuyertips #JSPBmortgage

A JSPB mortgage enables you to accept the financial support of your family while retaining a sense of independence through sole ownership of your property.⁣

If you`d like to chat with one of our advisors about Joint Borrower Sole Proprietor Mortgages or buying your first home, give us a call on 0800 612 5596 or send us a DM⁣

...⁣


Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#firsttimebuyeruk #firstimehomebuyers #propertyladder #firsttimehomeowners #firsttimebuyertips #JSPBmortgage
...

2 0
Life throws curveballs, don't let a leaky roof be one! Building insurance provides peace of mind knowing your home's structure is covered. Talk to Kelly, our insurance advisor, to find the right coverage for your mortgage.⁣
⁣
Get in touch on 0800 612 5596 or tap the link in our bio.⁣
⁣
...⁣
⁣
#buildingsinsurance #protectyourhome #dorsetlife #insurancebrokers #insuranceadvisor #dorsetbusinessowners

Life throws curveballs, don`t let a leaky roof be one! Building insurance provides peace of mind knowing your home`s structure is covered. Talk to Kelly, our insurance advisor, to find the right coverage for your mortgage.⁣

Get in touch on 0800 612 5596 or tap the link in our bio.⁣

...⁣

#buildingsinsurance #protectyourhome #dorsetlife #insurancebrokers #insuranceadvisor #dorsetbusinessowners
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1 0
Connor joined our team back in July 2017!  He's lived all around the Southwest, from Cornwall to Bristol, and now he's found his sweet spot in Wellington, Somerset—right between the two!⁣
⁣
When he's not crunching numbers, you'll find him whipping up some delicious dishes, hosting get-togethers with friends and family or enjoying the delights at his local cider farm🍺🌿⁣
⁣
All of our mortgage advisors (Connor included) are ready to help you whether you're looking to remortgage, buy your first home, or upgrade to a new one. The best bit is we don't charge a broker fee! Get in touch on 0800 612 5596 or send us a DM⁣
⁣
⁣
...⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
#ukmortgage #mortgagesuk #wellingtonsomerset  #mortgageexperts #westcountry

Connor joined our team back in July 2017! He`s lived all around the Southwest, from Cornwall to Bristol, and now he`s found his sweet spot in Wellington, Somerset—right between the two!⁣

When he`s not crunching numbers, you`ll find him whipping up some delicious dishes, hosting get-togethers with friends and family or enjoying the delights at his local cider farm🍺🌿⁣

All of our mortgage advisors (Connor included) are ready to help you whether you`re looking to remortgage, buy your first home, or upgrade to a new one. The best bit is we don`t charge a broker fee! Get in touch on 0800 612 5596 or send us a DM⁣


...⁣

Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry
...

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We're flying the flag for Somerset! ⁣
⁣
With a team spread across the Southwest, we're proudly celebrating #SomersetDay and sending a special shoutout to our amazing mortgage advisor, Connor, who's lucky enough to live there.⁣
⁣
Let's have a bit of fun - how many of these places can you name? Share your score in the comments 👇⁣
⁣
⁣
...⁣
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#somersetlife #loveforsomerset #visitsomerset #somerset #somersetday

We`re flying the flag for Somerset! ⁣

With a team spread across the Southwest, we`re proudly celebrating #SomersetDay and sending a special shoutout to our amazing mortgage advisor, Connor, who`s lucky enough to live there.⁣

Let`s have a bit of fun - how many of these places can you name? Share your score in the comments 👇⁣


...⁣

#somersetlife #loveforsomerset #visitsomerset #somerset #somersetday
...

4 0