[John Smith]

The truth is nobody is automatically entitled to credit. In order to be successful when applying for credit, it is necessary for you to prove to the lender that you are credit worthy. But this may be even more difficult if you have adverse credit information on your credit file which is left without repair. Without you realising it, lenders may be relying on out-of-date or incorrect entries, or entries which don't tell the full story, or which shouldn't in fairness have been put on your file in the first place, or even entries which relate to people with whom you don't have a financial link.