ive heard you can fix your credit file by writing to the courts to have ccjs removed. Has anyone tried this and did it work? thanks in advance
2007-02-13 01:34:05 · 7 answers · asked by Anonymous in Business & Finance ➔ Credit
you need to speak to and write to Experian to get a copy of your credit record.
if there are issues with accuracy of your record you then need to speak to the organisation holding the "black mark" against your name.
2007-02-13 01:36:24 · answer #1 · answered by Anonymous · 0⤊ 0⤋
There is no quick fix to poor credit.
Do you really think that you can just write to the Court and they'll say " Oh OK Mr Smith we'll remove those CCJ's for you?"
If CCJ's are there by mistake then of course the agency will remove them, however, you say CCJ's in the plural which makes me think there is more than one. This suggests that you have simply not paid your debts.
There are companies who will say they can fix your credit, this is bollocks, they will simply suggest you have an IVA. This does not fix your credit, it is simply an arrangement between you, the company and your creditors, you may not have to pay back the whole debt and the interest may be frozen.
Do not be fooled into thinking this is a quick fix. There is no such thing, your payment history stays on your file for 6 years regardless.
The only way is to pay back your debts, on time and in full as agreed by you when you signed the credit agreement.
You cannot have them removed even if you have paid the debt, once there they are there for 6 years, it is a record of your payments on which prospective lenders decide whether or not to lend you money.
2007-02-13 01:36:25 · answer #2 · answered by RRM 4 · 0⤊ 0⤋
RRM is absolutely right. Once a CCJ is issued, you have just 28 days in which to pay it and avoid it going on your credit file. From Day 29, it will go on file and stay there for six years, whether it is paid or not.
No one, other than a county court judge, can remove it from your file and that would only happen if it was put on file incorrectly in the first place.
Please do NOT waste your time, money and emotion on these idiot companies who claim they can get a ccj removed - because they can't!
2007-02-13 03:20:56 · answer #3 · answered by Keith Rowland 1 · 0⤊ 0⤋
The problem is that all your old misdeeds stay on your report for years, there is no way to 'fix' this (unless you have a time machine). Be aware of these so called credit fixers. All they can do is challenge entries on your report and hope that the creditor never replies (unlikely).. All they really do is take your money. The best you can do is to pay off all your debits, keep the accounts open, and never charge another dollar. Your partner would have a much easier time buying the house himself. When it comes time for a bigger house in the future, your credit will also be perfect and you can own it jointly.
2016-05-24 05:06:59 · answer #4 · answered by ? 4 · 0⤊ 0⤋
I hope this helps you:
Step-by-Step Credit Repair Guide
Bad credit can frustrate your efforts at getting a credit. Hence ensure you keep your credit report clean. If there are any errors in the report, undertake credit repair to clear out any errors. This can be tiring and frustrating, but highly rewarding. Though law recognizes and protects your rights, it is your duty to remove any anomalies in
2007-02-14 17:50:48 · answer #5 · answered by mey t 2 · 0⤊ 0⤋
Only if you have fully paid the CCJ
2007-02-13 01:37:03 · answer #6 · answered by OriginalBubble 6 · 0⤊ 0⤋
you can write to ccn or obtain a form from the bank, the cost to the credit agency is £1, and they will do the rest by reply post.
2007-02-13 01:43:16 · answer #7 · answered by aerial engineer 1 · 0⤊ 0⤋