we have had very bad credit score in the past due to problems we had no contol over ,all our debts are now paid ,we have one ccj which is sattisfied,,but our credit score is still in poor...how do we help this ? or cant we?
thank you in advance
Well, the usual advice for improving your score is generally to get a credit card, spend a v small amount on it each month and pay that off in full each month, so you're showing that you can be trusted to pay it back iyswim. The actual amount doesn't show up on the credit report, so no point spending a lot.
But I don't know if that's enough to overcome a CCJ even if paid off.
A CCJ is stuck with you for (I think) six years and there's nothing you can do about that, although it being marked satisfied certainly helps. You can write to Equifax and the other one (is it still experian?) and equest they make anote against your file if there was a solid reason, something like 'following severe ilnness' or 'due tor edindancy'.
Tbh though you won't get a good score now until the CCJ has been paid off. Sorry.