Identity theft and credit improvement
This part of the site provides legal information about credit issues and identity theft. Identity theft is the UK's fastest growing crime and can happen to anyone. If you have been a victim of identity theft we can help you correct bad data on your statutory credit reports and help you better protect your identity in future.
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Credit issues
Compatible region(s):
England & Wales
Northern Ireland
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…
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Compatible region(s):
England & Wales
Scotland
Northern Ireland
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…
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Compatible region(s):
England & Wales
Northern Ireland
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…
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Compatible region(s):
England & Wales
Northern Ireland
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…
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Compatible region(s):
England & Wales
Northern Ireland
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.
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Identity theft recovery
Compatible region(s):
England & Wales
Scotland
Northern Ireland
This is a package of letters that is designed to help a user take appropriate action to correct bad data in their credit files following on from an identity theft. Before using this document you need to…
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Compatible region(s):
England & Wales
Northern Ireland
If your identity has been used fraudulently to create a contract in your name, you can use this letter to reject any liability for that contract and (if applicable) to notify the company involved that you…
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Compatible region(s):
England & Wales
Scotland
Northern Ireland
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…
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Name Change
Compatible region(s):
England & Wales
This document will create a deed poll or statutory declaration (as required) to change your surname and/or first name. Please note that you cannot use either option to change the name of a minor, i.e…
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