When applying for a mortgage, we also need to check your credit report, and the CheckMyFile report covers all four credit reference agencies. As part of the underwriting, lenders will also check your credit file. Before you apply for a mortgage, we need to know and understand your credit obligations and any bad credit you may have. To get a credit report, get in touch with us. JMP Mortgage and Protection Ltd. is authorized and regulated by the Financial Conduct Authority, and we're also appointed representatives of Cornerstone Finance Group Ltd., which is authorized and regulated.