Credit issues (pack)

About this service

Your credit rating matters- and you should take careful steps to safeguard it, and repair it if you feel it does not fairly represent your circumstances. This pack contains documents for you to start the repair process, and to report to credit card companies if you feel your account has been accessed without your permission. See the individual information associated with each document in this pack for a full description of their use.

This product is suitable for use in: England & Wales

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    • 1 Your document reviewed by our team of legal professionals within 3 working days
    • 2 Access to our team for advice over the phone
    • 3 Helpful explanations and guidance throughout
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Prefer to call us for advice or prepare a document by phone? 0800 612 3556

Included in this service:

  • 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.
  • Inform a credit card company of unknown charges
    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.
  • Information request after rejection of credit application
    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.
  • Request for credit files
    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 3 letters you need to send to the three main credit reference agencies: Experian, Equifax and TransUnion (formerly Callcredit). When you receive your files, you should use our "Credit rating repair" and "Identity recovery" documents, as appropriate, to fix your credit rating.
  • Unauthorised cashpoint withdrawal
    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.
Compatible region(s): England & Wales

Most documents take about 15 - 45 minutes

You can try the service out beforehand, and can save your progress at any time and come back to the document later.

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  1. Fill in an questionnaire online Answer the straightforward questions at your convenience
  2. Submit to a team of legal professionals Our team will advise you and approve your document
  3. Print and sign your document Once approved, simply print and sign your document

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