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.