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    • GZJ1990
    • By GZJ1990 13th Mar 18, 11:17 PM
    • 1Posts
    • 0Thanks
    CCJ & My Credit Score
    • #1
    • 13th Mar 18, 11:17 PM
    CCJ & My Credit Score 13th Mar 18 at 11:17 PM
    Hi all, Iím a 28 year old male and looking to improve my credit score / credit rating so Iíll be able to move out to my own place in a year or two. My credit score is 483 and my credit rating according to Noodle is 1/5. This is because I have had a large number of payday loans, unpaid phone bills, been overdrawn on a number of occasions from the age of 18. According to Noodle I now owe £2600 which I could easily pay off within 2 months as I earn around that amount in 1 month after tax. I have also just realised I have a CCJ on my file from last year which is really worrying me!!! It has been satisfied as it was only for £467 but it was over 5 months of the judgment! Is there anyway of getting this removed before the 6 years? And is there any possibility Iíll even get credit to rent a property within this 6 years? Also if I was to pay the £2600 I owe in one lump would this help my credit score? At this moment in time I canít even obtain credit to get a payday loan (not that Iíd be looking to get another one) or a credit card (not even the ones for bad credit) so not sure how Iíll ever be able to improve my credit score / rating! Will that CCJ effect me getting credit on anything within the next 6 years? Would be grateful if anyone could shed some light on this for me?
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    • sourcrates
    • By sourcrates 13th Mar 18, 11:26 PM
    • 14,311 Posts
    • 13,517 Thanks
    • #2
    • 13th Mar 18, 11:26 PM
    • #2
    • 13th Mar 18, 11:26 PM
    I think you have answered your own questions there.

    Credit score should be ignored, it is credit history that counts.

    Yes the CCJ will effect your ability to get credit, no it cannot be removed.

    Lenders who see a history of pay day loans will not be inclined to offer more.

    The best I can offer you is the further back in time negative information is, the less impact it will have on you.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to Any views are mine and not the official line of

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see :
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