payed a cc judgement wish to apply to court to to have cc removed but dont want certificate of satisfaction?

Question

whats the best way to completly remove any advise

Answer 1

The court will not remove a CCJ, they will only mark it as satisfied. It will drop off your credit file after 6 years.

However, saying that, the people who applied for the CCJ can get it removed for you, but you may have a job doing so!

Sometimes, asking is enough, and if the debt has been paid they will remove the CCJ from your file, although officialy they are not meant to, as your credit file is supposed to be a true record of your credit history.

Alternatively, there can be legal loopholes which can get the CCJ removed. There are certain protocols that must be followed when giving a CCJ, and if any of these aren't done to the letter, you can have it wiped off, its a matter of looking at every step in the procedure and checking it was done properly. Record keeping is another loophole, if the company can't supply you with original documentation to do with the debt, again you can have it wiped.

Don't employ a company that say they can clean your credit for you. They can't, nothing is guarenteed, and they can only do what you could do yourself, so its not worth the money.

Have a look at the links section of my site below, which has links to more details about having CCJ's removed.

Answer 2

I'm not sure you can get it removed, unless you paid it within 28 days of the judgement. If that is the case you can apply to the court to have the judgement removed from your credit file (I assume this is what you mean), however, the default will remain on your credit file.

Answer 3

If you want the card removed from your credit report, the court does not have the authority to grant your request. As long as the information is TRUE, it can legally stay on your report for 7 years.

This answer assumes US law.