how can i find and remove ccj's?

Question

i have ccj's on my personal credit histort, wich is stoping me getting credit, some ccj's will have been paid, others not paid, how can i on line find and revove them, for free or not

Answer 1

They will remain on your credit report for six or seven years, whether they've been paid or not.
Regarding the ones that have been paid, they should be marked paid, if not, you have the right to request that the information be updated and corrected. They will still be on the report, though, and will usually include the last 24 months payments history, recording any late payments and arrears etc (that's the way it works in Ireland, I imagine it's the same in the UK).
The judgements that have not been paid will remain on your report for six years following the last payment, and will include the last 24 months payment history.
Get your credit report from the three main uk companies, and start from there. Sometimes the older ones that should have been removed won't have been, so you can at least see to it that those ones disappear.

Answer 2

Be very careful approximately claims made through companies that say they are able to get rid of CCJs. they are quite much surely deceptive. as quickly as a CCJ has been issued it incredibly is going to stay on your checklist for 6 years, until you compromise the judgement in finished interior the 1st 30 days. the only way you will get rid of a CCJ is that in case you prepare to the courtroom to have the default judgement (that grow to be made on your absence) set aside. interior the circumstances, given the postpone and the very undeniable fact which you have because of the fact that paid up, it is extremely no longer likely.

Answer 3

I dont think they can be removed, it will take 6 years to drop of, even if the ccj was cleared earlier than that time.

Answer 4

experian u can do it on line of write to them, once a debt has been cleared you can get them to put a note next to debt so people can see you have paid it. costs about £2

Answer 5

You have to contact not just Experian but all the credit rating agencies(Experian, Equifax, etc...)

Answer 6

go to :
www.experian.co.uk or www.equifax.co.uk

You can either view online or request a copy sent to your address.
You have to pay by credit card doing it this way.