CCJ's

simong6

for as much as i'm trying to keep my head above water, its not going too great for me, if you aquire CCJ's is there a way to get them removed from your credit file?

fatbelly

If your county court judgment has been fully paid, you can ask the county court in which the judgment was made to provide you with a "Certificate of Satisfaction". There is a fee payable of £15.00 for this and you will need to provide evidence to the court that the full balance, including costs, has been paid (usually this would be a receipt from the company that took you to court). Once a certificate of satisfaction has been issued the court will then send it to the Registry Trust who will automatically mark your entry on the register as satisfied.

This will then be passed on to the credit reference agencies. The judgment will still stay on the register for 6 years from the date of the judgment. If in the meantime you have obtained a certificate of satisfaction this will also be shown on file.

The entry will only be removed if:you pay off the debt within one month of your county court judgment being entered on the register; or the judgment is "set aside" by the court. This is only possible in very limited circumstances such as if you did not know about the judgment because you did not receive the court papers.