I have a ccj and some defaults that were paid off and marked satisfied over 18 months ago, is there any way in which I can now get them removed of my credit file? By applying somewhere or paying etc? My credit history has been fine since (had a rought patch). Any info would be great Thanks.
2007-10-05 05:27:18 · 9 answers · asked by Anonymous in Business & Finance ➔ Credit
CCj's and defaults remain on your file for 6 years from the date of the Judgement. If your ccj's and defaults were marked satisfied 18 months ago, you only have a maximum of 4 and a half years.
You can obtain a certificate of satisfaction against the ccj to let creditors know that the debt has been cleared. There are of course companies that "specialise" in removing CCJ's but as another answerer has stated, these are not to be trusted. Often these companies use the tactic of "I didn't receive the summons" as a reason for having a judgment being set aside, but CPR state that summons forms do not have to be "served" so more and more Judges are refusing to set aside judgements using this reason.
You may have more luck with the defaults. You could write to the companies concerned and ask them to remove the default..(sounds silly but sometimes it works)
Good luck
2007-10-05 22:52:17 · answer #1 · answered by Anonymous · 0⤊ 0⤋
A ccj and defaults remain on your credit file for 6 years there is nothing you can do to remove them. Be wary of firms that tell you they can as that is not possible.
2007-10-05 09:39:51 · answer #2 · answered by Anonymous · 0⤊ 0⤋
No, those defaults will be on your report for 7-1/2 years from the date of default. You might have been able to negotiate removal at time of payment but that ain't going to happen now.
The good news is that as these get older, they have less impact on your score. Just pay all your bills on time and after a 2 year on time history, you'll see a big improvement.
2007-10-05 06:14:25 · answer #3 · answered by bdancer222 7 · 0⤊ 1⤋
You cannot remove them for 5 years from when they were placed
You can.....which sounds like you have already done....get a certificate of satisfaction attached to your credit files
Otherwise
most potentional lenders do not take any CCJ's into account when they are over 3 years old....up to each one
2007-10-06 12:33:30 · answer #4 · answered by stormydays 5 · 0⤊ 0⤋
Yes, 0 balance items more than 6 months in the past are easy to remove with properly worded credit repair letters and can be done for cheap as well. Check out www.creditrepair101site.com I used a kit I got there to fix mine and raise it 50 points quickly.
2007-10-06 02:51:12 · answer #5 · answered by Nicki W 2 · 0⤊ 0⤋
one way to repair your credit record is get a credit card from someone like Vanquis or Capital shop this month and pay next as your general day to day living you will gain interest in the bank from the money sat there longer.
And paying off immediately will improve your score another tip is do not have more than 3 credit searches a month or use a search site as it logs as only 1 search to many searches adds adverse points.
There are many ways yo can repair your credit you do not need expensive credit tools.
Check your credit record free sign up to www.creditexpert.co.uk check out your record and cancel whilst still in first months free trial.
2007-10-06 07:16:23 · answer #6 · answered by dazman36 2 · 0⤊ 0⤋
it incredibly is going to be on your credit checklist for 6 365 days once you have paid the stability OFF inspite of whether you owe the money to the unique creditor or the hot one. sure you are able to desire to make preparations to pay the hot creditor - you nonetheless owe the money!
2016-10-21 03:20:17 · answer #7 · answered by coiscou 4 · 0⤊ 0⤋
bdancer is correct.
The time to arrange to have them removed was before you paid them.
2007-10-05 06:29:57 · answer #8 · answered by ? 7 · 0⤊ 0⤋
www.creditinfocenter.com
2007-10-05 06:14:29 · answer #9 · answered by Anonymous · 0⤊ 0⤋