I would appreciate any advise, with my question.As I have been told that even though the CCJ's have been satisfied they will remain on my ratings for 6 years. This will still affect my ratings.Also what is the best way of clearing your ratings.Is it possible to get the sheet wipped clean if satisfied.
2006-07-03 03:09:28 · 7 answers · asked by Anonymous in Business & Finance ➔ Credit
No, there is no way to wipe the sheet clean. It will be very difficult to get credit as many lenders are tightening up their lending policies.
Even if you've satisfied the debt, the default will be on your credit file along with the satisfied label.
Try applying for credit with your bank as they are closer to you and understand your spending.... you should try and keep your bank sweet at all times as they will be able to help you and less likely to refuse you.
Good luck.
2006-07-03 03:20:59 · answer #1 · answered by Violent and bored 4 · 1⤊ 0⤋
The only way is to get a letter from the creditors that asks the reporting companies to "delete" the record. Since you've already paid though, you don't have much leverage. But, it's worth a shot. Other than that, they're stuck on your record.
If they do give you that letter though, then send them to the 3 credit reporting agencies, Exquifax, Trans-Union, and Experian. They'll delete them and your score should shoot up.
Good luck!!
2006-07-03 10:52:38 · answer #2 · answered by Tom S 3 · 0⤊ 0⤋
The CCJ stops on for 6 years, only then will you wipe the slate clean, get in touch with experian in Nottingham, they hold the records, sorry I can't be more positive
2006-07-03 10:16:51 · answer #3 · answered by peter_bain2003 3 · 0⤊ 0⤋
That is up to your county courthouse. The company that got the judgment sent you a satisfaction of judgment letter, right? If you took it to the courthouse they put it in as a "Judgment Satisfied" on your credit. There is really no way to "wipe it clean".
2006-07-03 10:16:02 · answer #4 · answered by Jaime-Lyn! 5 · 0⤊ 0⤋
get in touch with experian ,they have a website ,for £2 they can give u details of all ur credit history and why you cant get credit
2006-07-03 10:38:38 · answer #5 · answered by shoopy213@yahoo.co.uk 2 · 0⤊ 0⤋
Lots of info here.
2006-07-03 12:03:14 · answer #6 · answered by Anonymous · 0⤊ 0⤋
wish i knew
2006-07-03 10:42:59 · answer #7 · answered by Diane E 2 · 0⤊ 0⤋