Check your credit report
A clear credit report is essential for securing the right financial advice and mortgage solutions. Watt Mortgage guides you through accessing your credit information for a complete financial picture.
Why your credit report matters
Understanding your credit commitments is vital for tailored financial advice. Your report shows your financial history, helping us provide the right mortgage or loan options.
How to access your report
Visit to view reports from three credit reference agencies in one place. Sign up for a free 30-day trial, cancel anytime, and email us the PDF.
Important information
By clicking ‘Get Your Report Here,’ you are now departing from the regulatory site of Watt Mortgage?. Neither Watt Mortgage? nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.
Get your report
Click the 'Get Your Report Here' link to be redirected to their site and start the registration process. You can try it FREE for 30 days, then its £14.99 a month. You can cancel at anytime via phone, email or your online account. Once you have a copy of your credit report, save it as a PDF and email to us.
By clicking the link, you will need to register your details with Checkmyfile and enter into a free 30-day trial period. This will allow enough time for you to register your information and download your report. You are free to cancel this trial period at any time during the 30-day free trial period without penalty. Should you fail or choose not to do so, Checkmyfile will charge you a subscription fee of £14.99 per month thereafter.
• To get the best from this service, please ensure you register all of your primary and/or associated addresses within the last 6 years.
• Watt Mortgage? will receive a payment of £12 per free trial entered into via the link to Checkmyfile’s website. This is payable whether you cancel the trial period or not.
• It should be noted that lenders will not be assessing the report produced from Checkmyfile and will undertake their own research and assessment.
* By clicking the link you’re departing from the regulatory website of Watt Mortgage? Neither Watt Mortgage? nor Quilter Financial Planning are responsible for the accuracy of the information contained within their site. Details of how to unsubscribe or cancel this service, is available directly from the Checkmyfile website under their T&C’s which states “If you wish to cancel your subscription, please log in and send us a Secure Message at any time, email us, or call us on our Freephone telephone number 0800 086 9360 during normal office hours. In all cases we will provide you with a cancellation reference code in confirmation.”
Why do I need to check my credit report?
Your credit report provides lenders with insights into your financial history, helping determine your borrowing eligibility and options.
How can I access my credit report?
You can use to check reports from three major agencies. It’s free for 30 days, and you can cancel at any time.
What should I do after checking my report?
Save your credit report as a PDF and email it to us. This will help us provide personalised advice based on your financial profile.
Are there other credit-checking providers?
Yes, other providers are available. Check My File is one option we recommend for its comprehensive multi-agency report.
Who is responsible for canceling my Check My File subscription?
It’s your responsibility to cancel the subscription if you no longer need it. Watt Mortgage is not liable for any costs incurred.
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