ccj for 250-settled but can we remove it (legally ! )

9 replies

mothernature1 · 13/02/2004 10:26

Hi
Does anyone know how we can or if we can have a ccj removed from our credit file.We are desperate to buy a house ?
Any tips.The debt is paid off.Thanks

OP posts:

noddy5 · 13/02/2004 10:31

usually if the debt is paid off it doesnt count several mortgage companies will accept debts which have been cleared

katierocket · 13/02/2004 10:39

I used to work for data protection registrar so can answer this one.

CCJs remain on your credit ref file for 6 years although you can have a note put on to say that it has been paid in full (and would advise you to do this) - you need to do this via the credit reference agencies (see below for link).

You can't have it removed. There are some dodgy companies who claim that they can help you remove it - do NOT believe them it's not true.

Would recommend you get a copy of your credit ref file - if you've not already done so.
You can get one here equifax credit ref agency

Lots of lenders will still consider you so don't worry. Oh, and don't belive anyone who talks about blacklisting there is no such thing. Credit is given on the basis of a credit score which is worked out taking into account factors like previous credit history, income etc. There are no blacklists.

mothernature · 13/02/2004 10:52

God how many times is this person on here this is the third one, whose using my name..

katierocket · 13/02/2004 10:54

mothernature - I think whoever it is has tried to join and use mothernature as a nickname and then just added a 1 after it when it came up that it was already used.
Then they've accidentally posted 3 times. well i think that's what's happened!

mothernature · 13/02/2004 10:55

Dont care, not fair, only one and that's me (flounces off)in huff big style.

Batters · 13/02/2004 11:12

This reply has been deleted

Message withdrawn at poster's request.

Original poster

mothernature1 · 13/02/2004 11:29

Gosh sorry have i offended someone by choosing the wrong (rather nice ) name ?

OP posts:

Northerner · 13/02/2004 12:01

It's just that mothernature is a regular on these boards and it could get confusing!

CookieMonster · 16/02/2004 12:50

mothernature1 - just wanted to back up what Katierocket said. I work for Equifax and what she says is quite right. Whether that CCJ is taken into account or not will depend entirely on your lender and what rules they apply when calculating your credit score.

Flip