Credit rating repair

This document helps you to improve your credit rating by removing incorrect information from your credit files and adding explanations (where appropriate) as to why your credit history was bad. You can also use this document if you wish to “freeze” your credit to prevent fraudsters from opening accounts on your behalf. You should use our "Request for credit files" document before this one. YOU CANNOT USE THIS DOCUMENT WITHOUT YOUR STATUTORY CREDIT REPORTS. Please note that this document should not be used in cases of identity theft, where our "Identity recovery" document should be used instead. If there are credit agreements in your Statutory Credit Reports which you did not sign, you have been a victim of identity theft.