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annakirkland
Posts: 1 Newbie
Hello,
Really hoping someone can help me before I have a breakdown!!!
It's about my credit score...we had a CCJ 5 years ago, it's been paid and closed off 4 and a half years ago. I expected this to still show on my Experian credit file however it is under the 'alert' section. I know who the creditor is and I have contacted them asking for proof of account closure due to payment received but they are being very difficult.
Also I don't know which court to send it to as it was passed from one court to another.
Do I need to do all this for a start? Also I have no other debt so I genuinely don't know why our credit score is so low??
Can anyone help please, thank you
Anna.
Really hoping someone can help me before I have a breakdown!!!
It's about my credit score...we had a CCJ 5 years ago, it's been paid and closed off 4 and a half years ago. I expected this to still show on my Experian credit file however it is under the 'alert' section. I know who the creditor is and I have contacted them asking for proof of account closure due to payment received but they are being very difficult.
Also I don't know which court to send it to as it was passed from one court to another.
Do I need to do all this for a start? Also I have no other debt so I genuinely don't know why our credit score is so low??
Can anyone help please, thank you
Anna.
0
Comments
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Hi Anna
I can't comment on the terminology used by Experian, so am not sure of the significance of this appearing in their "alert" section. However I do know that the judgment should be showing as satisfied on your file, even if it takes six years for it to disappear altogether.
Dennis
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0 -
I would contact experian, and get your full credit report with them. Then put a notice of correction, on your file, to notify everyone about the situation. Call or email them, if you need further clarification on how to do this.0
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