2007-05-27 09:16:08 · 12 answers · asked by puma 1 in Business & Finance ➔ Credit
You need to get a copy of your credit file, which will show these.
There are 2 main credit agencies in the UK, experian and equifax. Both of these hold your credit info, and are the ones used by lenders.
If you have a CCJ, it should be on both reports, so you only need to check one company. You need to wait at least 30 days past the date you think you would have got the CCJ.
You can get a copy of your credit file from each company through the post for £2, using a Data Protection Act request. Details on how to do this are on the relevant website below for each company. This gives you a copy of your basic credit file.
If you want a full copy of your credit file pretty much instantly, you can buy it through the web site of each company, but it will cost you more, and there are various packages available.
Experian are currently doing a free credit report. You need to sign up to their credit file services with a credit card, but you won't get charged until after 30 days. So you can get a copy of your credit file, and then cancel your subscription within 30 days over the phone, and you won't get charged anything.
2007-05-27 09:34:31 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Ccj Check Free
2016-11-08 09:10:18 · answer #2 · answered by Anonymous · 0⤊ 0⤋
It will all be detailled on your credit report. Experian have a free 30 day trial at the moment, otherwise there's some good advice for amending a bad credit report at themoneypages.com - CCJs typically last for 5 years on your file. I would hazard a guess that if you have got CCJs, then you'll know about them because you would have had post: bailiff's letters, court judgements etc - the most common way you have them against you is unpaid council tax etc.
2007-05-27 09:22:45 · answer #3 · answered by electric_dress 1 · 0⤊ 0⤋
Lots of bad answers.
For starters, it's extremely possible to have a judgment and not even know about it. Creditors love to falsify court process services when they can't locate the debtor. They don't know they are being sued, and end up getting a default judgment against them.
Credit reporting services do not always list every judgment you get. They also have a poor track record for matching the judgment to the person it belongs to. So this is also not a very reliable method of finding out if you have a judgment.
You need to contact the court clerk for the county you live in, or where you last lived. For example, if you lived in Florida and may have had a lawsuit against you, but you moved to Ohio, it would have been filed in Florida. To be absolutely certain you don't have a CCJ you need to contact the courts.
2007-05-27 11:55:04 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Seen as CCJ means County Court Judgement, it would mean that the company who asked the court for the judgement would to have to have notified you it was doing so and once the judgement was served they would have served notice for the money or goods and failing you paying then they would have sent Bailiffs to remove goods to the said amount plus cost from your home. If none of that happened you don't have any.
Which doesnt mean you've got a good credit rating.
2007-05-27 09:22:02 · answer #5 · answered by andyjh_uk 6 · 0⤊ 0⤋
If you have a CCJ against him,then see a solicitor to get it enforced.Whether he self-employed or not,or works from home or in a business,doesn't matter.You have the CCJ to ensure payment due to you is lawfully obtained. A word of caution....... If you put his name and address online for all the world to see,you are leaving yourself wide open for the full force of the law of the land to be laid at your doorstep. If you have a genuine grievance about him,you should refer him to The Law Society.Unless of course,you have mountains of cash to defend an action of either slander or libel or both. Alan L.
2016-03-15 04:49:57 · answer #6 · answered by ? 4 · 0⤊ 0⤋
Judgements, levies, etc. are public information, which means they will show on your credit report. Or contact your county clerk's office.
2007-05-27 10:07:30 · answer #7 · answered by Former Banker 2 · 0⤊ 0⤋
As suggested by some ,have acredit check done on yourself.Also you can apply to the courts for that information in the area you live or lived in at that time..
2007-05-31 04:56:06 · answer #8 · answered by JOHN F 2 · 0⤊ 0⤋
Every state is different. Your best bet is to contact your county recorder/clerk/auditor (title varies) and run a check on your name.
2007-05-28 18:55:07 · answer #9 · answered by Zzyzx 4 · 0⤊ 0⤋
Would suggest you probably have 'cos youre asking. What havent you paid?
2007-05-28 12:54:15 · answer #10 · answered by Anonymous · 0⤊ 0⤋