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    You can request a copy of your credit reference file from any of the three main consumer credit reference agencies in the UK.

    You have the right to write to any of the credit reference agencies and ask for a copy of your credit reference file, which will cost you £2.

    Government bodies may also access this credit data to check that individuals are entitled to certain benefits and to recover unpaid taxes and similar debts.

    Credit reference agencies are licensed by the Financial Conduct Authority.

    If you think you have been refused credit unfairly, you can ask the lender to explain the main reason why and review their decision.

    Parties are required by law to attempt mediation before any application can be made to the court for any private family law applications." class="glossary Link " and court or tribunal representation.

    For some cases you can get legal aid regardless of your financial means.

    Non means tested legal aid is available if your child is subject of care or supervision proceedings .

    You must inform the Legal Aid Agency of any change in your circumstances.

    Before giving you credit, lenders such as banks, loan companies and shops want to be confident that you can repay the money they lend.

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