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CCJs

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Maiden9950
Maiden9950 Posts: 3 Newbie
First Post
in Credit file & ratings
Myself & my husband are wanting to move house (renting) so I checked both of our Experian credit reports. My credit score is good with no CCJs.  However, when the lettings agency did a credit check using Experian, they said there was a CCJ registered against me and refused to let the tenancy go ahead. I know nothing about it & I can't even see it on my report so I don't understand. Just wondered if there's potentially something I'm missing. 

Comments

  • sourcrates
    sourcrates Posts: 31,510 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Check your experian credit file, see what is registered.
    Look on the register of judgements also, that can be accessed here -
    Common reasons to have a CCJ you are unaware of are, parking fines/consumer credit act debts/etc sent to an old or incorrect address.

    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Maiden9950
    Maiden9950 Posts: 3 Newbie
    First Post
    Thanks but I have checked my Experian credit file & there's no CCJ registered. 
  • MalMonroe
    MalMonroe Posts: 5,783 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Maiden9950 said:
    Myself & my husband are wanting to move house (renting) so I checked both of our Experian credit reports. My credit score is good with no CCJs.  However, when the lettings agency did a credit check using Experian, they said there was a CCJ registered against me and refused to let the tenancy go ahead. I know nothing about it & I can't even see it on my report so I don't understand. Just wondered if there's potentially something I'm missing. 
    Can you ask the lettings agency what the CCJ is? It's really weird if they can see it on your report and you can't. Have they got the right person? I'd have to investigate further with this lettings agency and find out what they're on about. 

    Two things would annoy me - first they are accusing you of having a CCJ when it isn't true and the other thing - now you'll have the record of their hard search on your credit file for no reason, since you've been refused. I really would chase it up with them and make them explain.

    If all else fails, can your husband apply on his own?  Or you could go to a different lettings agency. That one doesn't sound very efficient at all. 
    Please note - taken from the Forum Rules and amended for my own personal use (with thanks) : It is up to you to investigate, check, double-check and check yet again before you make any decisions or take any action based on any information you glean from any of my posts. Although I do carry out careful research before posting and never intend to mislead or supply out-of-date or incorrect information, please do not rely 100% on what you are reading. Verify everything in order to protect yourself as you are responsible for any action you consequently take.
  • Maiden9950
    Maiden9950 Posts: 3 Newbie
    First Post
    Thanks for your reply.  I protested my innocence & they reckoned they rechecked it but it was right. All they could tell me was the amount plus the date - no other information. It meant nothing to me.  I am beyond annoyed but I think it was just a case of 'computer says no'.  I just wondered if I was being stupid and missing something obvious cos if I'm honest, it's the first time I've ever looked at my credit report.

  • SpreadableToast
    SpreadableToast Posts: 196 Forumite
    100 Posts Name Dropper
    MalMonroe said:
    Maiden9950 said:
    Myself & my husband are wanting to move house (renting) so I checked both of our Experian credit reports. My credit score is good with no CCJs.  However, when the lettings agency did a credit check using Experian, they said there was a CCJ registered against me and refused to let the tenancy go ahead. I know nothing about it & I can't even see it on my report so I don't understand. Just wondered if there's potentially something I'm missing. 
    Two things would annoy me - first they are accusing you of having a CCJ when it isn't true and the other thing - now you'll have the record of their hard search on your credit file for no reason, since you've been refused. I really would chase it up with them and make them explain.
    Letting agency checks are soft searches, not hard.
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