CREDIT RATING & CCJ's

Furch

Hi

I have recently been refused on a couple of applications based on credit checks.

I believe I could have CCJ which could be the cause of these rejections.

Does anyone have any information on how to go about having the CCJ removed from your credit rating?

Thanks

scullster

Can't help you re: the removal of CCJ, but,
a) I would firstly stop applying for any more credit until you've rooted out the problem - these last 2 failures will further reduce your chance of getting credit
b) get a copy of your credit report off a company like experian. Google free credit report or something like that, there are usually free offers which you can then cancel on once you've received your first report. If you have a CCJ, the report will tell you - getting it removed would largely rely on whether it is valid or not.

I don't understand why you think you may have a CCJ, surely you should know.

Burlesque_Babe

If you do have a CCJ, stop applying for credit as there is little chance of it being approved and the applications you make add to worsen your profile further.

You need to get hold of your credit files first to see what is on there before you go any further.

If applied for correctly, a CCJ can't be removed and will stay there for 6 years either as unsatisfied when unpaid and then satisfied when paid.