This document describes a service called Improve My Credit Score UK that helps individuals build good credit ratings. It offers an e-book subscription that makes regular payments to credit reference agencies to build a positive payment history and credit score for those who have been refused credit due to low scores, lack of history, bankruptcy, or low income. Managing the e-book subscription correctly over time can help improve a damaged credit history by learning about credit histories, affects on credit, and ways to improve credit ratings.