The whole credit rating thing is a scam anyway. Someone used my address to arrange car insurance and after speaking to the Insurance company who advised me to report this "fraudulent activity" to the Met fraud department who then advised me to use one of the credit agencies.
Now I know some credit checks can be free for a short time but seriously I will have to make sure I quit the credit agency before they charge me a monthly fee to see what other low life is trying to use my details to their own end? Crooks all around.
We have forgotten trust and honesty is a personal value, you should not have to pay someone else to constantly give their opinion of you and live in fear of their judgement.