Will a notice of correction help?

CakeCrusader

I have 2 satisfied CCJ's on my credit file which were because I wasn't able to pay my water bill and my council tax. One is from Oct 2012, the other is from 6 months later. At the time I was really ill, I'd just was diagnosed with MS a year before and my MS had relapsed massively, and I was broke because my ex suddenly decided to stop paying maintenance, so my income was used to feed our son and get him to school and I didn't have the energy to sort them out so I ended up with the CCJ's. It's been a while, and they were satisfied within a few months, but they are there and they will be for another 2/3 years. My life is a lot better now, I'm well and I'm in full time work, and I'm able to manage my bills. Is it worth putting a notice of correction on here to explain what happened? I know I look like a credit risk, but I'm back on my feet and I'm rather at being punished for something that I couldn't control.

Thank you

CIS

CakeCrusader wrote: »

I have 2 satisfied CCJ's on my credit file which were because I wasn't able to pay my water bill and my council tax. One is from Oct 2012, the other is from 6 months later. At the time I was really ill, I'd just was diagnosed with MS a year before and my MS had relapsed massively, and I was broke because my ex suddenly decided to stop paying maintenance, so my income was used to feed our son and get him to school and I didn't have the energy to sort them out so I ended up with the CCJ's. It's been a while, and they were satisfied within a few months, but they are there and they will be for another 2/3 years. My life is a lot better now, I'm well and I'm in full time work, and I'm able to manage my bills. Is it worth putting a notice of correction on here to explain what happened? I know I look like a credit risk, but I'm back on my feet and I'm rather at being punished for something that I couldn't control.

Thank you

In E&W's CCJ's aren't obtained for council tax purposes - council tax arrears use liability orders (via the magistrates court).

CakeCrusader

CIS wrote: »

In E&W's CCJ's aren't obtained for council tax purposes - council tax arrears use liability orders (via the magistrates court).

Ahh, thank you. I bet they are both for the water company then as council tax and water were the only bills I fell behind with. It'll cost me £20 to check with the courts what they are for.

Arleen

The thing about notice of correction is that it will automatically make you not able to pass via automated processes as they have to be read by the lender. They don't have to take them into account, but a person must read them, so while there is a guaranteed downside, upside is not a guarantee.

CIS

CakeCrusader wrote: »

Ahh, thank you. I bet they are both for the water company then as council tax and water were the only bills I fell behind with. It'll cost me £20 to check with the courts what they are for.

I think the official register is only £4 per search - http://www.trustonline.org.uk/search-others

CakeCrusader

Arleen wrote: »

The thing about notice of correction is that it will automatically make you not able to pass via automated processes as they have to be read by the lender. They don't have to take them into account, but a person must read them, so while there is a guaranteed downside, upside is not a guarantee.

I managed to get a credit card a couple of years ago. I've never gone over my limit, I've never made a late payment, I pay above the minimum balance but they won't lower the interest rate (it's Vanquis) and I can't do a balance transfer as my credit rating is shot. The only negative thing showing on it, are these 2 paid CCJ's. I earn enough (now) and I would like to get a credit card with a lower rating. I'm on the electoral roll etc, my mobile phone is paid on time so I think it's just this.

I'm not sure if it would make a difference whether they are council tax or water, CIS. Once they are there, they are there.

Arleen

In that case I would recommend to not try to get a new card at all!
Instead work to repay what is left on the vanquis by paying on it as much as you can every month, till eventually you can just set it to be paid in full each month automatically. My reasoning is that since you live within your means then there should be no difference to you whether the card has high or low APR as you should be repaying it in full at end of month anyway.
So I would work really really hard on repaying it as fast as possible, it will also look well once situation stabilises and the CCJs drop off.

CakeCrusader

Arleen wrote: »

In that case I would recommend to not try to get a new card at all!
Instead work to repay what is left on the vanquis by paying on it as much as you can every month, till eventually you can just set it to be paid in full each month automatically. My reasoning is that since you live within your means then there should be no difference to you whether the card has high or low APR as you should be repaying it in full at end of month anyway.
So I would work really really hard on repaying it as fast as possible, it will also look well once situation stabilises and the CCJs drop off.

Thank you. I'm working on clearing it (hence why I'm reluctant to spend £20 doing court searches). This is good advice, thank you

CIS

I'm not sure if it would make a difference whether they are council tax or water, CIS. Once they are there, they are there.

In theory it wouldn't (but for the fact council tax doesn't use the CCJ route). Liability orders aren't shown on a credit file.

Thrugelmir

CakeCrusader wrote: »

Is it worth putting a notice of correction on here to explain what happened? I know I look like a credit risk, but I'm back on my feet and I'm rather at being punished for something that I couldn't control.

Lenders do not have the time nor the ability to verify and substantiate claims made. Your credit history is a factual record of events. That's what matters. Take it on the chin and move forward.

Don't apply for more credit either. Deal with what you already owe.

CakeCrusader

Did you read the thread, Thrugelmir? It wasn't my fault that I was unable to pay my water bill, I was unwell and having brain scans in hospital and drugs, lots of drugs. If the ex hadn't have stopped paying maintenance there would have been money in the account to cover it.

I have one credit card which is costing me a fortune and it's not maxed out. It's well managed, but I can't transfer the outstanding balance to one with a lower interest rate.

I'm pretty sure it's water, CIS.