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.

If there is an error on your credit card statement, you should notify your credit card company as soon as possible and can use this document to do so. This letter is only appropriate for use where your card is still in your possession, i.e. it hasn't been lost or stolen, but there are unknown charges on your account. It is good practice to send this letter by recorded delivery post and keep a copy for your records, so that you have evidence of your correspondence with the credit card company.

This letter should be sent to an organisation which has refused you credit, requesting them to review their decision and/or to tell you their main reason for refusing you credit and to send you the details of the Credit Reference Agency they used to justify the rejection. The lender may be persuaded to change its mind if you are able to provide additional relevant information that would not otherwise have been known to the lender, for example, that since you applied for credit you have obtained a better higher paid job. It may also indicate to you that there is something wrong with your credit rating; in which case, you can take further steps to rectify the problem.

You should use this document to obtain a copy of your Statutory Credit Files to find out if there is incorrect information in your files, whether this is due to identity theft or error. The document will create the three letters you need to send to the three main credit reference agencies- Experian, Equifax and Callcredit. You will need to send a cheque for £2 to each reference agency with your letter. When you receive your files, you should use our "Credit rating repair" and "Identity recovery" documents, as appropriate, to fix your credit rating.

Use this letter to inform your bank of an unauthorised cashpoint withdrawal that you have noticed when looking at your bank statement. The letter requests the bank to refund the money to your account.