CCJ question 28 February 2009 at 9:45PM in Debt-free wannabe 2 replies 393 views

Cassie123_2

I believe I have a CCJ against my name after a dispute with a water company over a bill. I would like to pay this off, but have no information about the CCJ.

I have applied for my credit file, but have a question.

As I know who I owe the money to, should I just call them and ask to arrange payment now, or should I wait for the infomation on the credit file?

What could the consequences be either way?

Thanks

Tixy

My advice would be to wait and see what your credit report says. Then you will know for certain whether its a CCJ, a default or what. If this happened a while ago you probably have nothing to lose by waiting an extra week or so (as far as I know). Do you know you can apply for your credit report online with experian (creditexpert). You can sign up for a free 30day trial, read your report and cancel before the end of the month. From memory you still have to wait for a pin number to arrive in the post but it only takes a week.

Cassie123_2

Thanks Tixy. I've applied for the free report, just waiting on the pin.