Financial advisor reviewing a UK credit report on a laptop
Trident Commercial Finance

What Is a Credit Report?

A credit report is a detailed record of your borrowing and repayment history, used by lenders to assess how reliable you are with credit — your financial track record for loans, credit cards and bills.

Personal details (name, address, DOB)
Credit cards, loans & mortgages
Repayment history & on-time payments
Current balances & credit limits
Public records (CCJs, bankruptcies)
Credit checks from lenders
A strong credit report is key to better financial advice and mortgage options. Trident Commercial Finance helps you access and understand your credit profile so you can spot issues early, improve your financial position, and strengthen your mortgage application.
Get your report here Learn more

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.

  • Tailored financial advice based on your credit profile
  • Clear view of existing credit commitments
  • Stronger recommendations for mortgages & loans

How to Access Your Report

Visit CheckMyFile 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.

  • 1 Visit CheckMyFile and create an account
  • 2 Start your free 30-day trial (cancel anytime)
  • 3 Download the PDF and email it to us

Important Information

Regulatory Disclaimer

By clicking ‘Get Your Report Here,’ you are now leaving from the regulatory site of Trident Commecrial Finance. Neither Trident Commecrial Finance nor 2plan Wealth Management are responsible for the information contained within the linked site.

This is a third-party service. Always review their terms and privacy policy before proceeding.

Your Checkmyfile trial & disclosure

By clicking the link, you will be directed to Checkmyfile to create an account and begin a 30-day free trial. During this period, you can access and download your full credit report at no cost. You may cancel at any time within the trial period without charge. If the trial is not cancelled, a monthly subscription fee of £14.99 will apply.

  • Trident Finance 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.
  • Lenders will not be assessing the report produced from Checkmyfile and will undertake their own research and assessment.
  • To ensure accuracy, please register all of your primary and associated addresses from the past six years.
  • Lenders will conduct their own independent credit assessments and will not rely solely on the Checkmyfile report.
Please note: By proceeding, you are leaving the Trident Finance website. We are not responsible for the content or accuracy of third-party websites. Cancellation details are available directly through Checkmyfile via secure message, email, or by calling 0800 086 9360.
Trident Finance – Frequently Asked Questions
FAQ

Frequently Asked Questions

Everything you need to know about your credit report

Your credit report gives lenders a clear picture of your financial background, including payment history, outstanding balances, and overall credit behavior. Reviewing it helps you understand your borrowing position and identify any issues before applying for a mortgage.
You can access your credit report through major UK credit reference agencies. One option is Checkmyfile, which provides a comprehensive multi-agency report. They offer a 30-day free trial, and you may cancel at any time.
After downloading your report, please save it as a PDF and email it to us. This allows us to assess your financial profile accurately and provide tailored mortgage advice suited to your circumstances.
Yes, there are several credit report providers in the UK. Checkmyfile is recommended due to its detailed multi-agency coverage, but you are free to use any provider you prefer.
You are responsible for managing and cancelling your subscription if it is no longer required. Trident Finance does not accept liability for any subscription charges incurred.
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