CCJ removal

debt4life

My total credit available is only £900 and they want a crazy interest rate. That is why i pay the full amount each month. I found out my CCJ ends next June so i will struggle on until then. That is the only negative on my credit file so i hope my rating will go up massively when it is removed.

CakeCrusader

Your credit rating's a made up number, they just look at your credit history and how well you manage your accounts. The problem here could be that you have three credit cards which have low credit limits with sub prime lenders. Aqua especially don't like it when people clear their accounts each month, there's other threads on here from people who have had the same problem. It may be worth trying to do a balance transfer with someone like Barclays. Even an Initial card (Freedom now, I think) has a better interest rate and they will upgrade the card to a platinum after a certain amount of time.