Bank statement charge
What is CHECKMYFILE.COM on my bank statement?
Who charged you
Checkmyfile credit report subscription by Credit Reporting Agency Ltd
CHECKMYFILE.COM is Checkmyfile, a UK credit report service run by Credit Reporting Agency Limited in Truro. The charge is usually its £14.99 monthly subscription, which starts when the trial (seven days on its own site) ends unless it was stopped in time.
How it can show on a statement
CHECKMYFILE.COM
Find out what it was
- 1
Search your inbox and spam for a Checkmyfile welcome email: it gives the date of the first payment.
- 2
Count back from the first charge: the trial starts on the day you register and its length is shown at sign-up (seven days on Checkmyfile's own site), so the sign-up is usually about a week earlier.
- 3
If you can sign in, open the Billing tab in your Checkmyfile account to see the subscription and its payment dates.
- 4
Compare the amount with £14.99 and the date with earlier months: later payments fall on the same date as the first.
- 5
Ask anyone who shares your card whether they checked a credit score or applied for a mortgage, loan or tenancy around that time.
- 6
Still a charge you did not agree to? File your complaint here. We write it with you and send it to Checkmyfile, so you do not have to chase it yourself.
Not in any of your accounts? If nobody in your household made it, someone else may have used your card details. Your card issuer can stop the card, so the charges do not continue.
Why does it say “CHECKMYFILE.COM”?
Checkmyfile is a trading name of Credit Reporting Agency Limited, a company registered in England with its office in Truro, Cornwall. Card payments carry the website name, CHECKMYFILE.COM, so the line shows neither the company name nor the words credit report.
The trial starts without an upfront payment, but you add a payment card when you register and it stays on the account. If the trial is not ended within its length, Checkmyfile takes the first payment and then collects the subscription on the same date each month. Its terms say this applies whether or not you finished the identity checks, so a sign-up that stalled halfway can still lead to monthly payments.
Why you might see this charge
- The £14.99 monthly subscription that started when the trial ended.
- A trial taken to see a credit score once, for example before a mortgage, loan or rental application, that was never ended.
- A sign-up where the identity checks were never completed: the terms say the subscription still starts after the trial.
- A payment from a replacement card or a back-up card, which the terms allow when your card changes or a payment fails.
- A higher monthly amount after a price change, which Checkmyfile says it announces by email at least 14 days ahead.
- Someone else in your household who checked a credit report with your card.
Is CHECKMYFILE.COM legit?
Yes. Checkmyfile is a real UK credit report service, run by Credit Reporting Agency Limited, that combines information from Experian, Equifax and TransUnion. A CHECKMYFILE.COM line is normally its own subscription billing.
The usual problem is not a fake charge but a trial that turned into a paid plan without the person noticing. Emails or texts that use a credit score as bait and ask for card details through a link are something else; check any charge against your own inbox and account, never through a link in a message.
Other charges people look up
| On your statement | Who charged you | What it usually is |
|---|---|---|
| TRTHFDR*TRUTHFINDER.COM | TruthFinder | TRTHFDR*TRUTHFINDER.COM is TruthFinder, a US people search and background report website run by PeopleConnect. |
| D J*WSJ | The Wall Street Journal | D J*WSJ is Dow Jones & Company, the publisher of The Wall Street Journal, Barron's and MarketWatch. |
| CHEGG ORDER | Chegg | CHEGG ORDER is Chegg, the US homework help and study company. |
| WMT PLUS | Walmart | WMT PLUS is Walmart+, Walmart's paid membership for delivery and shopping perks. |
| Amazon Prime Pmts | Amazon | Amazon Prime Pmts is Amazon's billing name for Prime payments, usually the fee for a Prime membership. |
| ROKU FOR | Roku | ROKU FOR is Roku, billing a streaming subscription you started on a Roku device, with the streaming company's name… |
| COMPLETESAVE.CO.UK | Complete Savings | COMPLETESAVE.CO.UK is Complete Savings, a paid cashback and discount club run by Webloyalty. |
| SQSP* INV | Squarespace | SQSP is short for Squarespace, the website builder and domain company. |
Questions about CHECKMYFILE.COM
What is Checkmyfile?
Checkmyfile is a UK credit report service run by Credit Reporting Agency Limited in Truro. It shows a report built from the files at Experian, Equifax and TransUnion and is sold as a monthly subscription after a short trial.
Is Checkmyfile legitimate?
Yes. It is a real UK company, and the CHECKMYFILE.COM charge is its own billing. Most unexpected charges come from a trial that rolled into the monthly plan.
Does Checkmyfile cost money after the trial?
Yes. The trial lasts seven days on Checkmyfile's own site; unless it is ended within that time, the subscription costs £14.99 a month, taken on the same date each month.
Why was I charged by Checkmyfile when I never saw my report?
Its terms say the subscription starts when the trial ends whether or not the identity checks were completed, so a sign-up that stalled can still lead to monthly payments.
What if I did not agree to a CHECKMYFILE.COM charge?
File a complaint on Complain.biz. We write it with you and send it to Checkmyfile, so you do not have to chase it yourself.
Based on
- Checkmyfile: home page (seven-day trial, then £14.99 a month; trading name of Credit Reporting Agency Limited)
- Checkmyfile: Terms (trial period, payment dates, replacement and back-up cards, price changes)
- Checkmyfile: How do I cancel and manage my subscription?
- NatWest: Common retailers (Checkmyfile.com, multi agency credit report subscription)