Why Is CCJs Removal Necessary

CCJs removal means informing credit reference agencies that the terms of the CCJ have been taken care of and there are no outstanding payments. However, you will not be able to remove any kind of information on CCJ from your credit history before at least six years.

What Is A CCJ

County Court Judgement or CCJ refers to a judgement that is made against either an individual or a company for debt or arrears in the county court. Normally if a CCJ is paid off in totality within a month of the date of the judgement, it will not show in the credit register. CCJs are recorded in public records and they stay there for 6 years with the Registry Trust. If it takes more than thirty days for a judgement to be settled, it is recorded in the public records and affects your credit history.

Necessity Of CCJs Removal

Having a CCJ does not necessarily mean that you will not be able to get any more credit. However, it will be having some kind of effect on your credit score. Any individual having a CCJ record will be viewed by the lenders as someone who has not been able to meet his obligations in the past and thus may not be able to do so in the present also. Thus, CCJs removal is essential.

Most CCJs result from court summons that have not been defended. This can occur when the defendant is not to sure about the course of action that he needs to take to solve the situation. This way the court passes a default judgement. The individual is thus victimised without too much fault of his own.

For a quick CCJs removal, you will need the following documents - the original summon, the name of the plaintiff and the court name. Another important requirement is the case number. If you do not have the accurate case number, the court will not even look at your application. Thus to ensure CCJs removal in a smooth manner, you must have all the required documents ready.

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