Return to the Mortgage Glossary Home to view explanations for all mortgage terms. What follows is the definition for the term Credit File as it relates to mortgages in the UK. Credit File Your credit file contains your credit history, if you have ever defaulted on a payment it will be help on your credit file. If you have been turned down for a mortgage then it is a good idea to get a copy of your credit file. Equifax and Experian can provide you with copies of your credit file: Experian Consumer Help Service PO Box 8000 Nottingham NG1 5GX Tel 0115 976 8747 https://www.creditexpert.co.uk/UK/MCCLanding.aspx or Equifax Dept 1E PO Box 3001 Glasgow G81 2DT www.equifax.co.uk Previous 10 terms < County Court Judgements < Conveyancing Fee < Conveyancing < Contract Race < Conditional Insurances < Completion < Charge Certificate < Charge < Capped Rate Mortgages < Capital and Interest Mortgage Next 10 terms Default  > Deferred Interest Mortgage  > Discounted Mortgages  > Draw Down Facility  > Early Redemption Charge  > Endowment Mortgages  > Equity  > Essential Repairs  > Exchange of Contracts  > Existing Liabilities  >