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Advice Please!

Hi everyone

I have recently succeeded in my quest to remove a CCJ that had been entered on my credit file incorrectly.

1) Should I expect my credit score increase dramatically?
2) I have 3/4 defaults from 2010/11 some are still "open" but only for roughly £1600 in total. my credit score is currently 856 (25 points away from good on experian - this is before the CCJ has been taken off)

What would be the likelyhood of me obtaining credit at a decent APR!?

Thanks in advance!

Comments

  • Tixy
    Tixy Posts: 31,455 Forumite
    Whether the score sold to you by the credit reference agencies will increase a lot will depend on what else is on your file.

    But don't worry about the score nobody ever sees it but you.

    When you say 'open' defaults, if you mean unpaid then these are likely to prevent you from getting the most competitive rates on any credit products.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
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